Providing customized coastal residential financing in the City of Monterey, offering specialized jumbo mortgages, high-balance conforming loans, and second-home financing.
Serving New Monterey, Skyline Forest, Alta Mesa, Oak Grove, and Downtown Monterey.
Statutory Verification: Salinas MSA: Intermediate high-balance limit of $994,750 applies to both Conventional and FHA single-family loans. (Source: 2026 FHFA Conforming & HUD FHA limits) Federal baseline conforming limit is $832,750; maximum high-cost ceiling is $1,249,125. VA financing provides 0% down with full entitlement without statutory county loan caps.
Explore primary purchase, refinancing, and equity loan programs with direct underwriting support.
Competitive 30-year and 15-year fixed-rate financing for purchase and refinancing throughout California.
Government-backed financing featuring flexible credit criteria and low 3.5% down payment options.
Zero down payment mortgage options and no monthly PMI for California active-duty military and eligible veterans.
Financing for California luxury and high-cost properties exceeding baseline FHFA conforming limits.
Rate-and-term and cash-out refinancing options to lower monthly payments or access property equity.
Access accumulated home equity for renovations, investments, or liquidity without altering your primary rate.
Dedicated guidance, down payment education, and streamlined pre-approvals for new California homebuyers.
Model estimated monthly principal, interest, taxes, and insurance payments for California properties.
Common home financing questions for borrowers in Monterey, California.
Yes. We arrange second-home financing with competitive conventional and jumbo terms throughout Monterey.
Qualified buyers in Monterey can typically secure jumbo financing with down payments between 10% and 20%, depending on the overall loan amount, credit score, and reserve requirements.
Yes. We proudly provide 0% down VA home loans and streamlined pre-approvals for military officers and service members assigned to Monterey defense installations.
Explore conforming limits, property tax context, and all programs available across Monterey County.
Get pre-approved online or speak directly with our Beverly Hills lending team. Transparent rates, zero origination surprises, and direct California loan officers.