Home Loans
Home Loans
Make your move with a local lender.
Whether you want to purchase, refinance or make a sound investment, we’ll help you find the real estate solution that’s right for you. Along with competitive rates, you’ll get personal service and guidance through the lending process.
Purchase
From first homes to vacation homes, we can help you succeed.
Refinance
Lower monthly payments or save on interest by refinancing.
Check out our free, informative eBook:
The Home Buying Journey Explained
Everything you need to know for purchasing your Central Coast dream home.
Fixed Rate
HOME EQUITY LOAN
Tackling home renovations this summer?
Tapping into your home’s equity to access funds could be the solution to get you started.
SESLOC offers an affordable Home Equity Loan with a fixed rate.
FHA Loans
This option is for first-time buyers and requires a lower down payment than traditional mortgages.
VA Loans
Specifically for Veterans, a VA loan is a great tool to help our military members.
Investment Properties
This option lets borrowers purchase or refinance non-owner occupied properties.
Lot and Land Loans
Secure the perfect spot for your California Central Coast dream home.
Special Offer
Home Loans
for as Little as 1% Down1
Designed especially for School Employees and First Responders.
SESLOC supports our local heroes with this special program.
Home Equity Loans
This closed-end loan lets you tap into your home’s equity and can help ease financial burdens.
Home Equity Line of Credit
Rather than one lump sum, a HELOC allows you to draw funds as needed.
Get Started Today
Check current rates, review the documentation checklist, and request a free consultation to review your options, or get started with an application today. When applying for a pre-approval, choose the option for home purchase without an accepted contract.
Get Pre-approved or Apply Now
Select your preferred branch or Mortgage Loan Officer:
Need more info?
Let's chat.
Request a complimentary consultation with one of our Mortgage Loan Officers. Whether you want to purchase a home, refinance your mortgage or just check out your options, we're here to here to help you make informed decisions. Simply fill out our form and we'll contact you shortly.
There is no obligation to join SESLOC or apply for a loan. By submitting this form, you agree to receive email communications from SESLOC and phone calls if this preference is indicated. You can unsubscribe at any time.
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Are you having difficulty making your payments?
If you have a SESLOC Home Loan and experiencing financial hardship, we may be able to help.
Home Buying
From the News+ Blog
Is Buying a Fixer-Upper Right for You?
As home prices continue to rise and DIY culture gains momentum, more people are turning to fixer-uppers as an affordable, customizable housing option. The appeal of personalizing a space to fit your vision can make these homes attractive, but are they the right choice for you? Let’s explore the pros, cons, challenges and benefits of buying a fixer-upper to help you decide if it aligns with your goals, budget and skills.
Mortgage Pre-Approval: Your Key to Successful Home Buying
With the Federal Reserve having lowered interest rates, you may be thinking that now is the perfect time to consider purchasing a home. If you are ready, it is best to proactively position yourself in an advantageous spot as a buyer by completing a mortgage pre-approval before you begin house hunting.
4 Steps to Navigate Housing Market Challenges
The current housing market presents unique challenges, including rising home prices and tight inventory. Here are 3 steps to help you overcome these hurdles and achieve your homeownership goals.
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Savings are insured to at least $250,000 and backed by the full faith and credit of the U.S. government. National Credit Union Administration, a U.S. government agency.
