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Mortgage Loans

Ready to move in?

We’ll help get you there.

Young couple looking at outside of house.

It’s taken you a while to get to this point. No reason to drag it out. Your South Coast Bank loan officer will help you select the mortgage that’s right for you—and then make sure the process goes smoothly.

Take a look at the variety of mortgage options below. Of course we’re happy to talk in person about any of these, so please call or come by.

Conventional Mortgages

No need to complicate things. Our conventional mortgages give you down payment options, competitive rates, and a number of other features. We’ll guide you through the whole process, from a painless pre-qualification all the way to a convenient closing.

FHA/USDA Loans

First-time homebuyers find these options particularly useful. They require lower down payments (sometimes none), flexible credit choices and lower income guidelines.

VA Loans

You’ve served your country, so now let us work to serve you. Eligible veterans can receive program benefits to secure the home of your dreams.

Jumbo Loans

Need a bigger loan? We’ve got a bigger mortgage for you. Maybe you’re buying your primary residence, or maybe it’s a vacation home or an investment property—we’ve got options to make it happen.

Home Equity Loan

You can pay for college, consolidate bills or renovate your kitchen. Talk to us about the many flexible options that allow for low, predictable monthly payments.

Home Equity Line of Credit

With a line of credit, you can advance and pay down your loan on your schedule. You can lock in fixed monthly payments for a large buy, while retaining access to the remaining line of credit.

Residential Lot Loan

Buy the land now. You can build whenever you’re ready.

Land Loan

What they say is true: they’re not making any more of it. Claim your plot now.

Construction Loan

Bring on the bulldozers. Finance construction of your home now—mortgage payments come later.

Use our mortgage calculator to explore options.

Know what you want your monthly payment to be? Start there and plug in any other variable—down payment, interest rate, term. You can find out what is possible.

Ready to switch to South Coast Bank?

We’re ready to help. Call now, or drop by one of our branches. Numbers and addresses can be found here.

ABA Routing Number: 061221310

Lost or stolen card? Call 1-800-383-8000
 

South Coast Bank & Trust

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