Real Estate Loans

1st Deed of Trust Mortgages

Whether you are purchasing new home or refinancing your existing home, our credit union has a variety of first deed of trust mortgage products designed to meet your every need. We offer fixed-rate mortgages with terms of 15 or 30 years. We can finance up to 80% of the appraised value of your property. The home must be located in the State of California.

Business Credit Lines

Our business credit line program is much like our home equity credit line program- great rates and terms with no gimmicks and fast turn-around time on processing your application. You may borrow up to 80% of the appraised value of any property you own on a first lien or up to 70% on a second lien (less what you owe on the first lien). The property must be located in the State of California. The term of the loan is fifteen years, with a five year draw period extendable at the discretion of the credit union.

Home Equity Lines of Credit

Our Home Equity Line of Credit Loans have been our fastest growing Mortgage Product for one reason. Our rates and terms are about the best on the entire west coast! No gimmicks, no tricks- just low closing costs, low rates (no teaser rates here that shoot up after six months) and fast turn-around time on processing your application. You can borrow up to 80% of the appraised value of your home (less what you owe on your first deed of trust) to use any way you want. The term of the loan is fifteen years, with a draw period of five years (extendable at the discretion of the Credit Union). Be it for a new car, college tuition expenses, remodeling, a vacation... and the interest may be tax deductible. (As always, please consult a qualified advisor in tax matters.) For credit lines up to $50,000 we also offer valuable yet affordable member payment protection.

Rental Property Loans

Have you ever thought of investing in some rental property? We can help with our residential rental property loan program. We can secure the loan either as a first or second deed of trust for properties used as residential rental units located within the State of California. For first deed of trust loans, you may borrow up to 80% of the appraised value of the property. On second deed of trusts the maximum is 70% of the appraised value less what is owed on the first deed of trust. We offer terms up to twelve years to qualified borrowers. For further details on our policies or to receive an application, please call our Loan Department at (831) 393-3480 extension 211 during our regular business hours.

Mortgage Loan Officers - Seaside Branch

Mary Nunez - NMLS ID #809118

Maria Thomas - NMLS ID #809373

Elsa Leos - NMLS ID #1139894


Central Coast Federal Credit Union is registered with National Mortgage Lending System - NMLS ID #786119