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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.


From first homes to vacation homes, we can help you succeed.


Lower monthly payments or save on interest by refinancing.

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Check out our free, informative eBook:

The Home Buying Journey Explained

Everything you need to know for purchasing your Central Coast dream home.

Fund your next home improvement with a SESLOC fixed rate Home Equity Loan..
Fixed Rate


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 payments 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 Residential Construction

Build a house from the ground up and make your dream home a reality.

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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.

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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.

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From the News+ Blog

Mortgage Points: What You Need to Know

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.

read more