Mortgage & investment property loans

You know how to make a house a home—we’re here to help you get the best deal on your own little piece of the coast.

Conventional mortgages

For homeowners and landlords

Your own home, a vacation house, rental property—we can help you finance your real estate investment.

Make yourself at home on the Oregon Coast with a local lender who knows the region inside and out—and puts your well-being first. Whether you’re buying a starter home, upgrading to a new house, buying your dream vacation spot, or investing in rental property, we’ve got you covered with competitive rates and personal service—and we’ll work with you to find the right mortgage for your needs. Get pre-approval so you’re ready to make your offer fast and snag your dream house.

Benefits

  • Great rates
  • Personal service
  • Home or vacation property
  • Investment properties
Apply today
FHA mortgages

For first-time homebuyers

Realize the dream of owning a home for the first time. We’ll help you get there.

Buying your very first home can feel overwhelming—we’re here to help with a Federal Housing Administration (FHA) loan. With a lower required down payment (as low as 3.5%) and less stringent qualification criteria, these mortgages make the path to homeownership more accessible, even if your savings and credit score aren’t very high. You can even use money gifted by a family member for the down payment—making this mortgage ideal for young people just starting out in the world.

Benefits

  • Lower down payment
  • Lower interest rates
  • Flexible qualification
Apply today
Manufactured and mobile home mortgages

For manufactured and mobile houses

Get the mortgage you need for whatever type of home you’re buying.

Discover a variety of loan options for your manufactured or mobile home purchase—with terms and rates that fit your budget. Ready to refinance? We can help you find a better rate and terms for lower monthly payments.

Benefits

  • Variety of options
  • Refinancing available
  • Great rates
  • Personal service
Apply today
Veterans Administration (VA) mortgages

For those who’ve served

If you’ve served our country, let us serve you—with mortgage options that make homeownership easy and affordable.

If you’re a service member or veteran—first, we at Oregon Coast Bank thank you for your service to our county. Those who sacrifice for our safety deserve the support they need for a stable “home base,” and these loans help you get there with benefits like no down payment, lower interest rates, and limited closing costs. Let us help you secure a mortgage guaranteed by the U.S. Department of Veterans Affairs (VA)—available for veterans, service members, and their spouses buying a primary home.

Benefits

  • Support for service members
  • VA-guaranteed mortgage
  • Low rates and closing costs
  • $0 down payment
Apply today
Oregon’s veterans mortgages

Oregon Department of Veterans’ Affairs (ODVA) mortgages

Helping our state’s veterans come home to secure, affordable housing.

We’re proud that Oregon is one of only five states offering a loan program to guarantee affordable homeownership for our veterans. With low fixed rates (typically 0.5% to 0.75% lower than current market rates) and no funding fees, these mortgages make your home on the coast after your service. And because the loan services will always stay with the ODVA, you never have to wonder where to send your payment or struggle to get ahold of someone when you have questions. We’d like to help you secure the mortgage you need—and thank you for your service.

Benefits

  • Support for Oregon veterans
  • ODVA lifetime servicing
  • Low fixed rates
  • No funding fees
Apply today
USDA Rural Development mortgages

For rural areas

An affordable option for buying a home in our beautiful rural coastal regions.

Would you like to make a home away from it all? Take advantage of the USDA’s Rural Development program for low- and moderate-income buyers. Those who qualify can purchase a home in eligible rural areas and enjoy benefits like no down payment, low-interest rates. And with flexible guidelines for qualifying credit scores, buying a home is within reach. 

Benefits

  • The beauty of rural living
  • $0 down payment
  • Low-interest rates
Apply today

Take the stress out of securing a mortgage. Our friendly experts can help you decide which loan is right for you.

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