Katie Ridgeway

Processor

Katie brings a strong background in mortgage operations, project management, and client service to the Coast Home Loans team. With several years of experience supporting loan officers and guiding files from application to funding, she understands what it takes to keep transactions moving smoothly while delivering an exceptional experience for both clients and referral partners.

Throughout her career, Katie has built a reputation for her attention to detail, strong communication, and ability to navigate complex loan files with accuracy and efficiency. Her experience in both the mortgage and legal industries has given her a unique perspective on compliance, organization, and problem-solving—making her an invaluable resource throughout the loan process.

At Coast, Katie is passionate about creating a seamless, stress-free experience for every borrower while supporting our loan officers behind the scenes. She takes pride in building relationships, finding solutions, and helping families get one step closer to homeownership.

Mortgage Calculators

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%

7.4%

Freddie Mac 30-year fixed average, week of 10-15-2026
Taxes, insurance and HOA
$

1%

0%

$
$

$1421

Monthly payment

Principal and interest $1421

Monthly taxes $1421

Monthly HOA $1421

Monthly insurance $1421

Monthly PMI $0

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*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%

7.4%

Freddie Mac 30-year fixed average, week of 10-15-2026
Taxes, insurance and HOA
$

1%

$
$

$1421

Monthly FHA payment

Principal and interest $1421

Monthly taxes $1421

Monthly HOA $1421

Monthly insurance $1421

Up-front MIP (1.75%) $0

Monthly mortgage insurance $0

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*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%

Taxes, insurance and HOA
$

1%

$
$

$1421

Monthly VA payment

Principal and interest $1421

Monthly taxes $1421

Monthly HOA $1421

Monthly insurance $1421

Purchase price $1421

VA funding fee $1421

Amount financed $1421

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

*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
$
% Freddie Mac 30-year fixed average, week of 10-15-2026
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime savings $

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

*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!

$
$
$
% Freddie Mac 30-year fixed average, week of 10-15-2026
Taxes and insurance
$
$

You can afford up to

$

Monthly payment $

Principal and interest $

Tax $

Insurance $

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

*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.