Business
Loans
Commercial
Real Estate Loans
Residential
Real Estate Loans
The Coastal Agency offers access to multiple business loans with various benefits. We are committed to supporting entrepreneurs and businesses to responsibly assess their financial needs and choose the right type of financing to ensure long-term success.
Group 392

Term Loan

Term loans provide a lump sum of capital upfront, which can be particularly beneficial for businesses with various financing needs, such as working capital, purchasing inventory, buying equipment, or other operational needs. Many come with fixed interest rates, providing predictability in monthly payments and protection against interest rate fluctuations.


  • Flexible use of funds
  • Structured repayment
  • Terms: 1-5 years
Group 391

Line of Credit

A business line of credit provides a flexible source of funding. Businesses can draw funds as needed, up to a predetermined credit limit, giving them the flexibility to manage cash flow fluctuations and address immediate financial needs. It is ideal for short-term operational expenses, such as payroll, inventory purchases, or unexpected costs.


  • Quick access to funds
  • Interest-only payments
  • Revolving credit
Group 393

SBA Loan

The U.S. Small Business Administration (SBA) guarantees loans arranged through approved lenders. Multiple programs are available to help your business expand, secure working capital, acquire equipment, purchase real estate or an existing company. SBA loans typically require a lower down payment, but the application process can be more extensive.


  • Flexible use of funds
  • No prepayment penalties
  • Competitive rates and terms

Business Loan Roadmap

consultation-1
Connect with an advisor
  • Determine your goals
  • Assess your finances
  • Create business plan
interest-rate-2
Get a letter of interest (prequalify)
  • Complete loan application
  • Select lender and program
  • Review loan estimate
training-program-2
Hold steady
  • Don’t apply for new credit
  • Don’t change operations
  • Don’t spend reserves
find
Underwriting
  • Receive conditional approval
  • Collateralize and guarantee
  • Submit final documents
close
Closing
  • Receive final approval
  • Review and sign closing documents
  • Funding
The Coastal Agency provides access to powerful and flexible commercial real estate loans that empower individuals and businesses to finance hotels, industrial, land, multi-family, office, and retail properties.
Purchase
Refinance
Getting a loan to purchase commercial real estate can be a crucial strategy in ownership and investments. It enables entrepreneurs and businesses to benefit from leasing revenue and potential property appreciation without investing the entire purchase amount with their funds. Typically, mortgage interest payments are tax deductible, providing an additional financial incentive to reduce taxable income.
Group 368

Permanent Loan

Long-term financing is available for physically complete properties that have reached a level of leasing indicative of market demand and can generate stable cash flow. Suitable for various properties, including office buildings, warehouses, light industrial, and retail properties.


  • Downpayment: As low as 20%
  • Loan limit: $500K to $10M
  • Terms: 5 to 10 years
Group 366-2

Bridge Loan

Short-term financing for an opportunity that requires a quick close and does not allow enough time for a traditional lender to complete underwriting. Or it wouldn't be in your best interest to initially get a long-term loan on a property that needs improvement to bring it to its highest and best use.


  • Downpayment: As low as 20%
  • Loan limit: As high as 75% of equity
  • Terms: 12 to 24 months
Group 391

SBA Loan

A low down payment and flexible use loan option for business owners, guaranteed by the U.S. Small Business Administration (SBA) to acquire, construct, or renovate commercial real estate. The underlying cash flow of the business is the significant approval factor versus the property.


  • Downpayment: As low as 10%
  • Loan limit: As high as $5M
  • Terms: Up to 25 years

Purchase Roadmap

consultation-1
Connect with an advisor
  • Determine your goals
  • Assess your finances
  • Create financing or business plan
interest-rate-2
Get a letter of interest (prequalify)
  • Complete loan application
  • Select lender and mortgage
  • Review loan estimate
g6360
Make an offer
  • Work with a buyer’s agent
  • Find a property
  • Get your offer accepted
find
Underwriting
  • Receive conditional approval
  • Property and environmental reports
  • Submit final documents
close
Closing
  • Receive final approval
  • Review and sign closing documents
  • Funding
Refinancing a commercial real estate loan can offer several benefits for property owners, including securing a lower interest rate, improving cash flow, and extending loan terms. Owners can also utilize a refinance to consolidate multiple loans and debt into a single, more manageable loan. A cash-out refinance allows access to the property’s equity for renovations, expansions, or other investment opportunities. Refinancing can help mitigate financial risks by adjusting the loan structure to align with your current and future goals.
Group 368

Cash-Out Refi

Convert equity to cash if the property's net income can support a larger loan. A cash out-refi will allow you to access the equity to meet your financial goals and for strategic reasons. A lender will want to see you evaluate the costs and risks to make a sound decision and generally authorize the loan.


  • Debt consolidation
  • Improved cash flow
  • Reinvestments opportunities
Group 366-2

Rate & Term Refi

Having to pay a balloon payment may not align with your long-term financial goals. Choose a rate & term refi as an opportunity to modify your loan tenure and holding period, convert from an adjustable-rate mortgage (ARM) for an interest rate reduction, or build equity in the property more quickly.


  • Improved cash flow
  • Shorter or longer term
  • Stability and predictability

Refinance Roadmap

consultation-1
Connect with an advisor
  • Determine your goals
  • Assess your finances
  • Create financing or business plan
interest-rate-2
Get a letter of interest (prequalify)
  • Complete loan application
  • Select lender and mortgage
  • Review loan estimate
training-program-2
Hold steady
  • Don’t apply for new credit
  • Don’t change job / business
  • Don’t spend reserves
find
Underwriting
  • Receive conditional approval
  • Property and environmental reports
  • Submit final documents
close
Closing
  • Receive final approval
  • Review and sign closing documents
  • Loan payoff and funding

equal-housing-opportunity-logo-1200w
The Coastal Agency offers a range of mortgage products in California essential for making homeownership achievable, providing financial leverage for property investment, and creating opportunities to build equity over time.

Purchase
Refinance
Home Equity
Getting a loan to purchase residential real estate can be a crucial strategy in homeownership and investments. It enables individuals to benefit from potential property appreciation without investing the entire purchase amount with their funds. Typically, mortgage interest payments are tax deductible, providing an additional financial incentive to reduce taxable income.
Group 368

30-Year or 15-Year Fixed Rate

A conventional loan in which the monthly payments remain the same throughout the life of the loan. With a 30-year-fixed-rate mortgage, your monthly principal and interest payments are lower than on a 15-year fixed-rate loan. But, a 15-year loan allows you to repay your loan twice as fast and have significant interest savings.


  • Minimum FICO score: 620+
  • Downpayment: As low as 3%
  • Loan limit: Up to county limit
Group 366-2

5, 7 or 10 Year Adjustable Rate Mortgage (ARM).

Is a type of loan with an interest rate that can change periodically. This means the payment can go up or down. Generally, these changes are determined by a margin and an index so that changes in the interest rate are based on current market conditions. Most often these interest rate charges are limited by periodic and lifetime rate change caps.


  • Minimum FICO score: 620+
  • Downpayment: As low as 5%
  • Loan limit: $125K up to county limit
Group 391

Jumbo

fixed or adjustable rate financing option for wellqualified buyers who need to purchase a high-value home that exceeds the conventional county loan limit. You can use this program to buy a primary residence, vacation home, or investment property. However, higher loan amounts may have reduced tax benefits, and you should consult a professional accountant.


  • Minimum FICO score: 680+
  • Downpayment: As low as 10%
  • Loan limit: As high as $3.5M
Group 392

FHA

A government-backed, fixed-rate loan to help borrowers who may not qualify for conventional financing. The program offers competitive interest rates and less stringent guidelines, allowing borrowers with debt and low credit scores to buy a home with a low down payment. However, additional monthly mortgage insurance payments are required.


  • Minimum FICO score: 500+
  • Downpayment: As low as 3.5%
  • Loan limit: Up to county limit
Group 393

Bank Statements

An option for self-employed and high net-worth individuals who cannot document their income with tax returns to meet the stringent documentation requirements of traditional lenders. You can use between 12 and 24 months of combined personal and business bank statements to qualify for a fixed or adjustable-rate mortgage.


  • Minimum FICO score: 600+
  • Downpayment: As low as 10%
  • Loan limit: As high as $4M
Group 395

Debt Service Coverage Ratio (DSCR).

Designed to provide greater flexibility and control for real estate investors and property owners. Unlike traditional mortgages that focus primarily on the financial ability and credit rating of the borrower, the DSCR program looks at the cash flow of the property to determine the ability to repay the fixed or adjustablerate loan.


  • Minimum FICO score: 620+
  • Downpayment: As low as 20%
  • Loan limit: As high as $3M

Purchase Roadmap

consultation-1
Connect with an advisor
  • Assess your finances
  • Calculate your buying power
  • Obtain a prequalification
Group 367-1
Get preapproved
  •  Complete loan application
  • Select lender and mortgage
  • Review loan estimate and lock rate
g6360
Make an offer
  • Find a property
  • Home appraisal
  • Get your offer accepted
find
Underwriting
  • Receive conditional approval
  • Home appraisal
  • Submit final documents
close
Closing
  • Receive final approval
  • Review and sign closing documents
  • Funding
Refinance loans can be helpful for various reasons, providing homeowners with financial flexibility and potential benefits, including securing a lower interest rate, reducing monthly payments, and switching loan programs and terms to overall interest costs. Homeowners can also utilize a refinance to consolidate high-interest debt, such as credit cards and personal loans, or a cash-out refinance to convert equity into cash for home improvements, education, and unexpected financial needs.
Group 368

Cash-Out Refinance

A way to both refinance your mortgage and borrow money at the same time. You refinance your mortgage and receive a check at closing. The balance owed on your new mortgage will be higher than your old one by the amount of that check, plus any closing costs rolled into the loan.


  • Debt consolidation
  • Home improvement
  • Expenses and investments
Group 366-2

Variable to Fixed Rate

In times of economic uncertainty or market volatility, a fixed-rate mortgage offers security, as your mortgage payments remain unaffected by external economic factors. Knowing that your mortgage payments won’t change due to interest rate fluctuations can reduce financial stress.


  • Payment stability
  • Protection against rate increases
  • Potential long-term savings
Group 391

Lower Your Payment

Refinancing your mortgage to take advantage of lower interest rates is one way to lower your monthly payment. In some cases, a lower interest rate may also be associated with the option to extend the mortgage term. The borrower should consider an evaluation between more interest over the life of the loan and monthly financial relief.


  • Increase cash flow
  • Extend loan term
  • Manage affordability
Group 392

Shorter Term Mortgage

Refinancing your mortgage to take advantage of lower interest rates is one way to lower your monthly payment. You’ll need adequate home equity to qualify for a refinance and consider your future income stability. Equity is the market value of your home minus what you still owe on the mortgage.


  • Interest savings
  • Faster equity building
  • Meet long term goals

Refinance Roadmap

consultation-1
Connect with an advisor
  • Determine your goals
  • Assess your finances
  • Obtain a prequalification
Group 367-1
Get preapproved
  • Complete loan application
  • Select lender and mortgage
  • Review loan estimate and lock rate
training-program-2
Hold steady
  • Don’t apply for new credit
  • Don’t change job / business
  • Don’t spend reserves
find
Underwriting
  • Receive conditional approval
  • Home appraisal
  • Submit final documents
close
Closing
  • Receive final approval
  • Review and sign closing documents
  • Loan payoff and funding
Unlike other types of loans designated for specific purposes, a home equity loan typically allows you to use the funds for any purpose, giving you flexibility in managing your finances. These loans often offer longer repayment terms than other loan programs, which can result in more manageable monthly payments. Using the loan for home improvements can potentially increase the value of your property, which can be beneficial if you plan to sell your home in the future.
Group 368

Home Equity Loans (Second Loans)

Borrow against the equity in your home and receive a lump sum of money that you can use to renovate, cover major expenses, or consolidate debt. On average, home equity loans offer lower fixed rates and longer repayment terms than personal loans, student loans, or credit cards.


  • Flexible use of funds
  • Fixed interest rate
  • Extended repayment plan
Group 366-2

Home Equity Line of Credit (HELOC)

A revolving credit line that allows you to borrow as much as you need up to your credit limit. Typically, with an adjustable percentage rate with options to lock in all or a portion of your line at a fixed rate. During the draw period (5 to 10 years), you may only have to make interest payments for better cash flow management.


  • Flexible access to funds
  • Interest only payments
  • Use for various purposes

Home Equity Roadmap

consultation-1
Connect with an advisor
  • Determine your goals
  • Assess your finances and home equity
  • Obtain a prequalification
Group 367-1
Get a preapproval
  • Complete loan application
  • Select lender and mortgage
  • Review loan estimate and lock rate
training-program-1
Hold steady
  • Don’t apply for new credit
  • Don’t change job / business
  • Don’t spend reserves
find
Underwriting
  • Receive conditional approval
  • Home appraisal
  • Submit final documents
close
Closing
  • Receive final approval
  • Review and sign closing documents
  • Access funds

Get started with a free consultation