Helping You Purchase Your Dream Home

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Providing financial confidence.

Thinking about buying a home? Coastal Home Mortgage understands the key to buying success is educating, and providing the right product and lowest interest available to each and every client. Let us go to work for you!

Types of Loans

Perfect solution for excellent credit and larger downpayment. From as little as 5% down to larger downpayments of 20% or more, Conventional mortgage loans offer choices that best fit a client’s financial profile. Lower monthly mortgage insurance and zero monthly mortgage options. Save thousands over the life of the loan.

An affordable solution with low downpayment. Federal Housing Authority offers homebuyers a flexible solution. With a 3.5% downpayment requirement and more flexible lending requirements, FHA is a very popular mortgage solution for clients.

Active duty, Veterans, and National Guard with up to 100% financing. With 100% financing and low downpayment requirements for loans over the VA loan limit, this is an ideal solution for Military families.

Rural housing, 100% financing solution. Up to 100% financing, low monthly mortgage insurance based on loan balances. Property must be in USDA rural area. Income limits, flexible credit requirements.

Renovation solution with low downpayment. Flexible credit requirements and low downpayment options allow homebuyers to improve their home with ease. From decks and patios to finishing an attic, eligible improvements are vast.

Adjustable Rate Mortgage—lower initial rate with lower monthly payments. For the homebuyer who is not expecting to live in their home long, this might be the right solution. With lower monthly payments initially due to lower initial rate. Loan will adjust to fixed rate after initial ARM period, adjusting the monthly payment higher based on current index and loan margin.

Virginia residents with low interest rates and flexible downpayment options. Virginia Housing Development Authority has compiled several unique loan options for borrowers that who need downpayment assistance, have good credit, and fit the parameters of the loan products available.

Tools & Resources

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