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Home Loans for Purchase or Refinance


Start the loan process now with our easy online loan application »

You can also call 805.543.1816 or email us at

SESLOC has you covered.

Whether buying your dream home or refinancing your existing home, we'll guide you through the lending process and find a solution with a competitive rate that's right for you.


Fixed Rate First Trust Deed Loans

With a fixed rate, you have the advantage and security of knowing your rate and your monthly payment will not change for the term of your loan. Features include:

  • 15 and 30-year terms
  • Low or no points options
  • Pre-qualification with no obligation

Adjustable Rate First Trust Deed Loans

Compared to a fixed rate loan, these loans have lower initial interest rates, which mean lower monthly payments. Even after the initial "rate lock" period, rates cannot adjust more than 1% annually or 5% over the life of your loan. They also feature:

  • A 1, 3, 5, or 7-year rate hold
  • Rate adjusts annually after the initial rate hold
  • Rate caps to provide added security
  • Low or no-points options
  • Long terms to keep payments lower
  • Pre-qualification with no obligation

Rate Index: 11th District cost of Funds - 1% Annual Rate Cap / 5% Lifetime Rate Cap