Cal Coast Funding

Cal Coast Funding Cal Coast Funding is a locally owned and operated Mortgage Broker on a mission to provide our Client

According to the Mortgage Bankers Association, single-family home construction starts were almost 12% higher in July com...
09/03/2021

According to the Mortgage Bankers Association, single-family home construction starts were almost 12% higher in July compared to last year. There are now nearly 690,000 single-family homes under construction – the largest number since 2007. This is a positive sign given the remarkably low levels of inventory on the market. If you’re looking to buy a new build home, contact us today for your mortgage pre-approval!

Did you know you may be able to pay off your mortgage faster with bi-weekly payments? If your lender allows, you can spl...
09/01/2021

Did you know you may be able to pay off your mortgage faster with bi-weekly payments? If your lender allows, you can split your monthly mortgage payment amount in half and send it every two weeks. By the end of the year, you'll have made the equivalent of 13 monthly payments. Depending on your interest rate, this strategy can shave 4-6 years off a typical 30-year loan. On a 15-year mortgage, bi-weekly payments may cut 1-3 years off your repayment time, depending on the loan amount and interest rate.

In Q2 2021, searches for swimming pools and pool houses on Houzz each more than doubled compared to the same period in 2...
08/30/2021

In Q2 2021, searches for swimming pools and pool houses on Houzz each more than doubled compared to the same period in 2020. People are now searching for specific pool styles, shapes, and designs, with searches for pools with water features up nearly 8x and rectangle, lap, infinity, plunge, and geometric pools all seeing a significant uptick. What would your backyard pool preferences be? Let us know in the comments below!

Per HousingWire, “COVID killed cash. In a contactless world, everyone is using Apple Pay, Venmo, PayPal, and others to m...
08/27/2021

Per HousingWire, “COVID killed cash. In a contactless world, everyone is using Apple Pay, Venmo, PayPal, and others to make payments easier and safer. Similarly, COVID killed paper and manual processes. In 2019, less than 50% of mortgage applications were taken digitally. Today it’s over 70% at big banks, and between 95% to 99% for top producers.” How do you feel about filling out mortgage applications online? Let us know in the comments below!

Before you start saving, you need to know what your budget will be for your new home. This means you need to know both h...
08/25/2021

Before you start saving, you need to know what your budget will be for your new home. This means you need to know both how much you can afford and what your housing budget will be. After all, you don’t want to save too much and end up in a home that is too small or not in the right part of town. Once you know what you can afford and what your housing budget will be, you can get started on your dream home! What is your dream home? Tell us about it in the comments.

According to Senior Housing News, now is an excellent time to purchase senior housing. With supply and demand in equilib...
08/23/2021

According to Senior Housing News, now is an excellent time to purchase senior housing. With supply and demand in equilibrium, prices are just right whether you are an investor or just looking to retire! Call us today and see how you can prequalify to buy senior housing!

Whether you're looking for a condo, townhouse, or single-family home, one of the biggest challenges for first-time homeb...
08/20/2021

Whether you're looking for a condo, townhouse, or single-family home, one of the biggest challenges for first-time homebuyers is saving enough money. So, what can you do now to get ready for purchasing a home? Let us know in the comments!

Ever wonder why barns are painted red? Back in the day, when farmers didn’t have much money to spend on paint, they woul...
08/18/2021

Ever wonder why barns are painted red? Back in the day, when farmers didn’t have much money to spend on paint, they would use a combination of skimmed milk, lime, and red iron oxide (rust). To honor this tradition, farmers still paint their barns red today! If you are looking for your perfect home in the country, give us a call and see how you can secure a loan today!

You can get a mortgage in as little as 3 weeks, but there are factors that will affect the amount of time it takes for y...
08/16/2021

You can get a mortgage in as little as 3 weeks, but there are factors that will affect the amount of time it takes for your mortgage to fund. There are two main factors that can affect how long it takes to get funding. The first factor is the underwriting process. This is the time it takes for the lender to verify your income and assets, as well as check your credit. The more paperwork you have to provide to the lender, the longer the underwriting process will take. The second factor is the closing process. This is the time it takes from when your loan is approved until the final documents are signed at the closing table. The length of the closing process depends on the complexity of the loan. However, if you’re buying a home with cash, the closing process is much shorter. Loan officers and realtors, how long do your typical closing last? Let us know in the comments!

Mortgage rates are at incredible lows, dipping below 3%! Now is a great time to refinance, call us today and see how you...
08/13/2021

Mortgage rates are at incredible lows, dipping below 3%! Now is a great time to refinance, call us today and see how you can save money on your mortgage!

Getting a 20% down payment can be difficult, but it’s not impossible. If you have the time, you can save up by having mo...
08/11/2021

Getting a 20% down payment can be difficult, but it’s not impossible. If you have the time, you can save up by having more money come out of your paycheck every month. For example, if you make $5,000 a month, you can ask your employer to take out $250 before you get your check.

Getting a 20% down payment can be difficult, but it’s not impossible. If you have the time, you can save up by having mo...
08/11/2021

Getting a 20% down payment can be difficult, but it’s not impossible. If you have the time, you can save up by having more money come out of your paycheck every month. For example, if you make $5,000 a month, you can ask your employer to take out $250 before you get your check. That way, you become financially disciplined and save up a lot more money in a shorter period of time. What are some ways that you are saving up for a down payment?

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4609 Cass Street
San Diego, CA
92109

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+16195697283

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