father and daughter

Home Loans for Purchase or Refinance

   

Start the loan process now with our easy online application »

You can also call 805.543.1816 or
email us at REinfo@sesloc.org.

Make your move with a local lender.

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
  • No closing cost option**
  • Low or no points options
  • Pre-qualification with no obligation
  • Financing up to 97% loan to value*
First-time home buyer or first mortgage?
Ask us about our NO CLOSING COST option**

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 hold 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
  • No closing cost option**
  • Rate adjusts annually after the initial rate hold
  • Rate caps to provide added security
  • Low or no-points options
  • Pre-qualification with no obligation
  • Financing up to 97% loan to value*

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

* Loan terms based on credit history, and are subject to credit approval. Some restrictions apply.
** No Closing Cost Option available for first mortgages on primary residences only. Not available with financing on investment or commercial properties. SESLOC will pay closing costs, including but not limited to: lender’s title services, escrow services, appraisal, tax service, credit report, flood certification and recording fees. Paid closing costs do not include points, pre-paid interest, hazard insurance premiums, initial escrow deposit, or property taxes. Other restrictions apply. A rate premium will be added to the applicable loan rate.

    To schedule a free consultation, call or email the SESLOC Real Estate Loan Representative at your nearest branch:
Tony C. Haydel
Residential Mortgage Loan Officer
Serving Atascadero and Paso Robles
(805) 623-1073  |  Email Tony

NMLS #170089

Cherise Long
Residential Mortgage Loan Officer
Serving San Luis Obispo
(805) 623-1071  |  Email Cherise

NMLS #402328

   
Monique Gomez
Residential Mortgage Loan Officer
Serving Arroyo Grande and Santa Maria
(805) 623-1072  |  Email Monique

NMLS #1521297

Mark Chandler
Mortgage Loan Origination Manager
(805) 623-1070  |  Email Mark

NMLS #742379