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Specialty Mortgage Programs

The home purchase process is rarely simple. Every borrower is unique, and every loan is different. To meet the needs for every borrower that comes through our doors, we make sure to continually expand our loan program portfolio.

The Central Coast Lending guarantee is this. We will talk with you, look at your finances, clearly break down your options, and prescribe the best possible loan. We will pre qualify you, pre approve you, and put you in the best position to succeed in the competitive Central Coast real estate market.

If it looks like a home and smells like a home, we can lend on it. And in the rare instances when we cannot help, we will refer you to somebody who can. We strive to be the ultimate mortgage resource for the Central Coast Community.

Investment Properties

  • Complete conventional financing options.
  • Portfolio and Non-QM options:
    • Unlimited financed properties.
    • Up to $500,000 for the first unit, and up to $750,000 for units 2-4.
    • Qualify from property cash flow (not debt-to-income).

For More Information:

The Self-Employed Borrower

  • Qualify for a mortgage with ONE YEAR of tax returns.
  • For the self-employed: qualify with just ONE YEAR of self-employment history.
  • Also beneficial for farmers, and rental property owners who have seen a recent increase in income.

For More Information:

Jumbo Portfolio

  • 10% Down Payment! No Mortgage Insurance! Loan amounts up to $750,000.
  • Unlimited acreage.
  • Fixed and ARM options available.
  • Unique properties considered (unusual easements, outbuildings, exotic builds, etc)

For More Information:

Hobby Farms

  • “Primary residence capable of some sustained agriculture production.”
  • Up to $1.5 million in financing!
  • Borrower must receive 60% of annual income from off-farm source.
  • Eligible for cash-out refinance.

For More Information:

Farm and Ranch

  • Up to $30 million of financing!
  • Land, buildings, equipment, fixtures.
  • Agriculture zoned land.
  • Fixed or adjustable mortgage rate.
  • Facilities (dairies, feedlots, storage units) financing eligible!

For More Information:

Miscellaneous Special Offers

  • Second liens and home equity lines of credit (HELOCs).
  • Qualify one year after negative credit event.
  • Non-occupant co-borrower.
  • Non-permitted additions.
  • Asset depletion for qualification.
Written by Central Coast Lending - Go to Central Coast Lending's Website/Profile
805.543.LOAN info@centralcoastlending.com