Mortgage Loans

Let's turn that dream house into your home sweet home

Home-buyers often spend a lot of time scouting neighborhoods and inspecting kitchens, bedrooms and closets. At CoastHills, you can get great financing so you can focus on finding your perfect home. Our experienced lending team will gladly explain all our mortgage offerings and guide you to a loan that fits your current finances and future plans.

Already have an application? Check your borrower portal for updates on your loan.

Fixed Rate Mortgages

Choose this option to secure borrower-friendly fixed rates and stable monthly payments.

  • Loans range from 10 to 30 years
  • No-closing-cost option available

15/15 Adjustable Rate Mortgage (ARM)

This innovative loan combines the lower initial rates of an adjustable-rate mortgage and long-term stability of a fixed-rate loan.

  • Save on interest at the start of your term
  • Rates adjust only once over life of loan

5/5 Hybrid Adjustable Rate Mortgage (ARM)

Enjoy five years of lower interest rates and use your savings on furniture, remodeling projects or any other life expenses.

  • Rates adjust only once every 5 years
  • Caps limit the rate increases

Jumbo Loan

If you are purchasing a bigger home or relocating to a neighborhood with higher housing values, we can fit you with a loan that's just right for your needs.

  • Financing up to $2 million
  • Fixed-rate and adjustable-rate loans

VA Mortgage Loans

Military veterans, active duty personnel, reservists and some spouses may be eligible for loans that feature a number of financial advantages.

  • No down payment
  • Limited closing costs

CoastHills Credit Union is a full-service financial institution with 12 Central Coast locations throughout Santa Barbara and San Luis Obispo counties.

*Subject to credit approval. Some restrictions may apply.


Your questions answered

By setting up automatic payments on any loan, you're reducing your risk of missing a payment which could result in late fees. For help in setting up autopay, visit any of our 12 Central Coast locations, or call us at (805) 733-7600

Freedom Plus Checking

High-dividend, free checking loaded with fantastic perks.

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Here to help

No matter your inquiry, give us a call at (805) 733-7600, or use one of our other convenient contact methods.