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Welcome to Coast Home Loans Mortgage Done Right.

We are your local home loan experts dedicated to making sure your home purchase or refinance experience is top-notch.

Let's Talk! Our Team
We love our customers
  • I highly recommend Blake and his team! Their communication is outstanding—they keep you informed every step of the way during the loan process. Blake and his team go above and beyond to secure the best loan options for their clients. True professionals you can count on!

    Richard Mortgage Review

    Richard Van Over

  • Blake, first off, we want to thank you on closing multiple loans for us. The latest closing, by far has to be the most impactful. We have been visiting Newport Beach for over 30 years. It has always been a dream of ours to own there.

    Joe Mortgage Review

    Joe Phillips

  • Working with Josh and his team was a easy great experience his team had great communication with my realtor zach and by the grace of God we were blessed to become first generation home owners definitely will use them in the future. God bless 🙌

    Robert Mortgage Review

    Robert R.

  • We embarked on our home purchase journey the last fall. Coast Home Loans was one of the preferred lenders of our builder, along with a couple of others. However, from the initial contact I made with Blake Eagal at Coast, I knew this was the lender for us.

    Tim Mortgage Review

    Timothy Costello

  • Blake and Erin made mine and my husband's dream come true in becoming homeowners. They were absolutely exceptional to work with. I couldn't be any more grateful or happier with the seamless purchase of our new home.

    Nohelia Mortgage Review

    Nohelia C. Peraza

  • I've been happy working Joshua Holman and his team. To finance and refinance coast home loans is where you have to go.

    Jonathan Mortgage Review

    Jonathan Escober

  • My wife and I were lucky to be referred to (Josh) at Coast Home Loans for the purchase of our second home. Josh did more than we ever expected from anyone to help us purchase our dream home. Everything was done and completed so fast.

    Oscar Mortgage Review

    Oscar O.

  • Josh and his team are very thorough with the whole loan process. They are able to close on time and work with all parties to ensure no delays in closing. Highly recommend! Thanks Josh.

    Martina Mortgage Review

    Martina Fulli

Why Choose Us?

Reputation

700+ 5 star reviews speak to our reputation that's built on trust, transparency, and a relentless drive to satisfy our clients.

Experience

With 75+ combined years of experience and over $1B in loans closed, our team has the experience needed to close your loan.

Our Team

From that first call to closing day (and well beyond), we're by your side with a team of experienced pros who genuinely care.

Meet the Team
Coast Home Loans Team

Mortgage Rates What's happening in the mortgage rate markets?

FHA Loans

Purchase - 30 Year Fixed

Rate6.38%

1W Change 0.25%

APR7.12%

1W Change 0.26%

Refinance - 30 Year Fixed

Rate5.42%

1W Change 0.00%

APR6.15%

1W Change 0.00%
Last Updated: 5/16/2026

Conventional Loans

Purchase - 30 Year Fixed

Rate6.58%

1W Change 0.19%

APR6.60%

1W Change 0.19%

Refinance - 30 Year Fixed

Rate6.68%

1W Change 0.20%

APR6.69%

1W Change 0.20%
Last Updated: 5/16/2026

VA Loans

Purchase - 30 Year Fixed

Rate5.79%

1W Change 0.21%

APR6.12%

1W Change 0.22%

Refinance - 30 Year Fixed

Rate5.77%

1W Change 0.22%

APR6.10%

1W Change 0.23%
Last Updated: 5/16/2026

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Coast Home Loans to receive a personalized rate for your specific situation.

Mortgage Calculators Start playing with some number estimates

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%-20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

$

5%

1%

5%

0%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. Click here to see the loan limits in your area.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Up-Front MIP (1.75%)$0

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

$

0%

4.5%

1%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Curious about refinancing your home in California? Rates are historically low and now may be the right time to start saving money every month!

$
%
months
$
%
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!

$
$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

There's no one size fits all mortgage.

Conventional

  • 3% down
  • All Property Types
  • All-Purpose Loans
Conventional Loans

FHA

  • 3.5% down
  • Primary Residence
  • Flexible Credit
FHA Loans

VA

  • 0% Down
  • Primary Residence
  • Active Duty and Veterans
VA Loans

USDA

  • 0% down
  • Primary Residence
  • Rural Area
USDA Loans

Jumbo

  • 10% down
  • All Property Types
  • Loan Amounts Above Conventional Loan Limits
Jumbo Loans

Renovation

  • 3% down
  • All Property Types
  • Finance the Cost of Repairs and Renovations
Renovation Loans

Downpayment Assistance

  • Down Payment Help
  • Primary Residence
  • All Homebuyers Eligible
Bond Loans

Refinance

  • Get Cash Out
  • HELOC (Equity Lines)
  • Reduce Your Monthly Payment
Refinance

What's Your Home Worth?

Home Value

Mortgage News Stay up to date on the latest news from CHL

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