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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 and VA Loans
An affordable option for first-time buyers and Veterans.
Investment Properties
For purchase or refinance of non-owner occupied properties.
Lot and Residential Construction
Build your dream home from the ground up.
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
New & Improved Mortgage Application, Beginning October 17, 2022
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
How to Boost Your Credit Score Ahead of Your Home Loan Preapproval
When it comes to buying a house, poor credit can limit your opportunities and result in higher interest rates and bigger payments. But with a little planning, you can boost your credit score ahead of your home loan pre-approval so you’ll be ready to make an offer on your dream home.
What’s the Difference Between Pre-approved & Pre-qualified?
Buying a home? You’ve probably heard that getting pre-approved or pre-qualified for a loan is an essential step forward in the process. But what’s the difference?
Mortgage Points: What You Need to Know
What are mortgage points and are they right for you? Mortgage points are basically discount points. When you’re getting your home loan, you can buy mortgage points to lower your rate and save you interest in the long run.
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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.