Step 1 — Property
What type of coastal property are you buying?
Select all that apply — coastal properties have specific loan considerations we'll address.
🏡Single Family
Detached home, primary or second
🏢Condo / Townhome
Attached or strata unit
🌊Vacation / Second Home
Non-primary coastal property
🔍Not Sure Yet
Still exploring options
Step 2 — Purchase Price
What's your estimated purchase price?
Choose the range that best fits your coastal property target.
Step 3 — Down Payment
How much are you planning to put down?
Down payment affects which loan programs apply — second homes typically require 10–20%.
🏦0% Down
VA eligible, primary residence only
🏦~3% Down
FHA / HomeReady (primary only)
🏦~5–10% Down
Conventional with PMI
🏦~15% Down
Conventional, lower PMI
🏦20%+ Down
No PMI — required for second homes
Step 4 — Credit
What's your approximate credit score?
Your best estimate is fine — no credit pull happens here.
⭐720 or above
Excellent — best available rates
⭐680 – 719
Very good — strong options
⭐620 – 679
Good — conventional or FHA eligible
⭐580 – 619
Fair — FHA or VA most likely
⭐Below 580
Let's talk — options still exist
Step 5 — Eligibility
Have you served in the U.S. military?
Veterans buying a primary coastal residence may qualify for VA loans with $0 down and no PMI.
🎖Yes
Veteran, active duty, or surviving spouse
Step 6 — Employment
What's your employment situation?
This helps us document your income for coastal property financing.
💼W-2 Employee
Salaried or hourly
🧾Self-Employed
Business owner or 1099
🌅Retired
Pension, Social Security, or investments
📋Other
Contract, part-time, etc.
Your Recommendation
Here's your coastal loan match
You're All Set!
We've got your information. I'll reach out within 24 hours with coastal loan options tailored to your property and situation.