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Coast Hills

Real Estate Loans

Let's buy a house together.

Our real estate lending team can help guide you through one of life’s biggest financial purchases—buying a home. Want to refinance an existing mortgage? We can do that too. Oh, and did we mention that we offer “no closing costs” options? Yeah, pretty cool.

First Trust Deed

If you’re looking for payment stability, our fixed rate First Trust Deed loans offer 10, 15, 20, and 30 year terms. As one of the Central Coast’s premier lenders, we have conforming and non-conforming mortgages in the San Luis Obispo and Santa Maria area. When it comes time to apply, we can provide a personal one-on-one consultation, or you can use our online mortgage application.

Adjustable Rate Mortgage (ARM)

An ARM may be good a good solution if you plan to buy or sell your home in the near future. The rate on this loan adjusts (changes) every 2 or 5 years after an initial “fixed” period. This provides an initial interest rate that is significantly below the market rate for a 30-year fixed rate mortgage. With an ARM, your payments can change after the initial fixed period depending on rates at that time. Our most popular ARM is a 5/5 Hybrid ARM, and is a great first mortgage option. This innovative loan offers no closing costs, has a 5.00% lifetime cap increase over the original rate, and the rate only adjusts every five years. All loans are subject to approval. Please contact us for complete details and conditions or use our online mortgage application.

Introducing the 15/15 Adjustable Rate Mortgage (ARM)

You’re going to love this one. Finance your home with a 30-year mortgage that adjusts only once after the first 15 years. It’s that easy! If you’re like most homebuyers, there’s a good chance that you’ll move again or refinance within 15 years. That makes our “two-step” 15/15 Hybrid ARM a smart way to combine today’s low rates with stable payments tomorrow. This fantastic product also has a No Closing Cost option available, making a home loan easier than ever. All loans are subject to approval. Please contact us for complete details and conditions, or use our online mortgage application.

FHA Mortgage Loan

With a CoastHills FHA loan, you can take advantage of low down payment requirements. You also get the choice between low fixed rates or adjustable rates to tailor a loan to your financial situation. Put it all together and you get a loan that makes sense for first-time homebuyers, members with past credit issues, or anyone wanting lower up-front expenses.

  • No income limits
  • Seller contributions up to 6% of sales price
  • Gift funds to 100%
  • Purchase, cash out, no cash out, and streamline refinances
  • No reserve for 1 or 2 single family residences

When it comes time to apply, we can provide a personal one-on-one consultation, or you can use our online mortgage application.

VA Mortgage Loan

As the original credit union for Vandenberg Air Force Base, we have strong ties to our U.S. military families. That’s why we’re happy to offer VA loans—to help veterans and military personnel to move into the homes of their dreams. This loan features:

  • No down payment requirement
  • 100% financing available
  • No private mortgage insurance
  • Closing cost are limited by VA

When it comes time to apply, we can provide a personal one-on-one consultation, or you can use our online mortgage application.
      
CALCULATE A HOME LOAN PAYMENT

Mobile Banking

Apple or Android, 
no judgement here.

Our iPhone and Android apps make mobile banking as easy as tapping your touchscreen. Use your smartphone or mobile device to stay on top of your finances - check balances, pay bills, set up alerts, transfer funds, even make remote deposits (it's as easy as taking a picture). The app is free and available at the Apple iTunes Store and Google Play

A nice way to say "hi" to your money. 

Relationship Rewards

Let's take our relationship
to the next level.

At CoastHills, we're in it for the long-haul. From financing your next car and home, to providing everything you need for quick and easy access to your money, we want to be the only financial institution you’ll need… from now to forever. Sound like a big goal? We’re ready to prove it with Relationship Rewards. It’s our way to say “thank you” for using CoastHills for all your financial services.   

Ready to take your membership to the next level?

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Real Estate Loan

Real Estate Loans

Let's buy a house together.

Our real estate lending team can help guide you through one of life’s biggest financial decisions—buying or refinancing a home. And with many different ways to borrow, you’ll have a monthly payment that fits you like a comfy pair of socks. Learn more