http://www.mortgagecalculator.biz/c

ABOUT US

California Coastal Loans is a company on a mission to create an environment of trust, ethics and care for our clients. Our core belief is that if you treat your client exactly the way you would want to be treated, you are building a foundation for a lasting relationship. Founded in 1999, California Coastal Loans has weathered the storms of the financial crisis, and reemerged from it with a “fan base” of loyal customers, some of whom are now referring children and grandchildren. Being a referral based lender, we know our client’s needs and spend great care, time and attention in exceeding their expectations every time.

OUR CORE VALUES

Integrity – “Whoever is faithful with very little will also be faithful with much, and whoever is dishonest with very little will also be dishonest with much.” Luke 16:10

Gratitude – "Give thanks in all circumstances; for this is God’s will for you in Christ Jesus." – 1 Thessalonians 5:15 

Community – "In the same way, faith by itself, if it is not accompanied by action, is dead." – James 2:17 

Relationships – “In everything, then, do to others as you would have them do to you.” Luke 6:31

Service – “For even the Son of Man did not come to be served, but to serve, and to give His life as a ransom for many.” Mark 10:45

 #WhoCanWeServeToday

Testimonials

  • "Thank you all for the great service you provided me with. I officially have a new lender (PennyMac) and I am very happy with how easy, smooth and quick the transaction moved."

    "Thank you all for the great service you provided me with. I officially have a new lender (PennyMac) and I am very happy with how easy, smooth and quick the transaction moved."

    ★ ★ ★ ★ ★

    Marlene Reyes

    Client
  • "Thanks Dino! We appreciate you and James for all your hustle! And thank you for keeping our best interests in mind as we are getting our mini family off the ground."

    "Thanks Dino! We appreciate you and James for all your hustle! And thank you for keeping our best interests in mind as we are getting our mini family off the ground."

    ★ ★ ★ ★ ★

    Laura M

    Client
  • "Dino and the team were a pleasure to work with and led the process from start to finish with very little effort on our end. Already worked twice with them in the last year and both times were super easy. I love their honesty and how friendly the whole team is, which seems to be very hard to come by in this industry. Would recommend for anyone seeking a friendly and professional team to work with. Thanks again for everyone's help and look forward to the next time we work together."

    "Dino and the team were a pleasure to work with and led the process from start to finish with very little effort on our end. Already worked twice with them in the last year and both times were super easy. I love their honesty and how friendly the whole team is, which seems to be very hard to come by in this industry. Would recommend for anyone seeking a friendly and professional team to work with. Thanks again for everyone's help and look forward to the next time we work together."

    ★ ★ ★ ★ ★

    Shadi A

    Client
  • "I have been working with Dino on loans for about 5 years now. At first, he was in my roster of preferred lenders, and now he is the only one who gets any of my business. Pretty simple really; you go with people you trust and who consistently deliver. On a purchase in a real estate transaction, the lender can arguably be more important than the agent once you're in escrow. They are the cog that is making the whole thing move forward and the wrong person behind the deal can not only make the entire thing fall apart, but could potentially cost your client money if ill--advised. I have personally done loans with Dino and my mom just closed on a loan with him. If you're sending your 65 year old mom to someone, that's perhaps the biggest compliment ever. Dino is the one and only in my opinion. I cringe when I need to work with anyone other than him. You'll see."

    "I have been working with Dino on loans for about 5 years now. At first, he was in my roster of preferred lenders, and now he is the only one who gets any of my business. Pretty simple really; you go with people you trust and who consistently deliver. On a purchase in a real estate transaction, the lender can arguably be more important than the agent once you're in escrow. They are the cog that is making the whole thing move forward and the wrong person behind the deal can not only make the entire thing fall apart, but could potentially cost your client money if ill--advised. I have personally done loans with Dino and my mom just closed on a loan with him. If you're sending your 65 year old mom to someone, that's perhaps the biggest compliment ever. Dino is the one and only in my opinion. I cringe when I need to work with anyone other than him. You'll see."

    ★ ★ ★ ★ ★

    Jay O'Brien

    Realtor
  • "When you buy a house, especially your first house, you have a million questions. What if I, can I, if I put more money down what will my payment be, what is my interest rate, what does this mean? All my questions were answered with clear information that I could actually understand, even if I asked the same question over and over again! They maybe were rolling their eyes at my stupid questions, but I never felt brushed off or talked down to. In fact, after just a couple of days we were joking and in the end we became friends. These wonderful men were extremely invested in me and my property. I could tell they were taking care of me and were making sure I made the right decisions along the way. Not your typical "salesmen", out to make a buck, but truly caring that the process was understandable and easy. I HIGHLY recommend California Coastal Loans, love these guys!"

    "When you buy a house, especially your first house, you have a million questions. What if I, can I, if I put more money down what will my payment be, what is my interest rate, what does this mean? All my questions were answered with clear information that I could actually understand, even if I asked the same question over and over again! They maybe were rolling their eyes at my stupid questions, but I never felt brushed off or talked down to. In fact, after just a couple of days we were joking and in the end we became friends. These wonderful men were extremely invested in me and my property. I could tell they were taking care of me and were making sure I made the right decisions along the way. Not your typical "salesmen", out to make a buck, but truly caring that the process was understandable and easy. I HIGHLY recommend California Coastal Loans, love these guys!"

    ★ ★ ★ ★ ★

    Linda Stephens

  • "I highly recommend Dino and his team. They truly have your best interest at heart!! I have worked with them a few times now and there is no one else I would want to handle my financial issues. Going through the process of a home loan and the purchasing of a new home is incredibly stressful under the best of circumstances, but they make it as painless as possible and are up front and honest every step of the way. Dino and James thank you again for being men of integrity and honesty!!!"

    "I highly recommend Dino and his team. They truly have your best interest at heart!! I have worked with them a few times now and there is no one else I would want to handle my financial issues. Going through the process of a home loan and the purchasing of a new home is incredibly stressful under the best of circumstances, but they make it as painless as possible and are up front and honest every step of the way. Dino and James thank you again for being men of integrity and honesty!!!"

    ★ ★ ★ ★ ★

    Brook Bargas

    Costa Mesa, CA
Purchasing
YOUR NEW HOME

Our clients receive a personalized analysis, custom tailored to meet their specific goals and needs for their new home. Our team focuses on helping to achieve these goals through listening attentively to what is important to you and your family and we incorporate a host of ideas such as; principal pre-payment advice, debt reduction strategies and increased net cash flow opportunities. We understand that purchasing a home is the biggest financial decision most families will make.  Our team is here to help guide you through the process and successfully navigate the path to home ownership.

Refinancing
YOUR EXISTING MORTGAGE

Refinancing an existing mortgage make sense for many reasons, but the most common reason is the ability to save our clients money.  Another common reason for refinance is to pull cash out of a property for home improvement, sending a child to college, or assisting a family member with down payment money for their dream home. Our team has the expertise to make sure you are aware of all of the options in order to make the best decision for your family. We incorporate our unique mortgage planning analysis to gather your most important goals and needs so we can align your new mortgage with those goals and needs. We discover your WHY so we can give you a customized approach to the loan process.

Our Team
Solves Problems

We are sure that one of your friends or family members has had an issue at some point or another during their loan process.  Problems do arise during the mortgage process. It is all about how they are resolved. Our teams strength lies in our ability to forsee these problems  and resolve issue before they truly do become a problem. We are 100% transparent and honest with our clients so they are aware of what is going on through the entire loan process. Buying a new home should be enjoyable, not dreadful and we work to make it an enjoyable and memorable experience.

Diversity
of Team Members

Each of our team members brings to the table a number of distinct talents and skills that are all necessary to ensure you have a positive mortgage loan experience. Collectively, our group has over 75 years of combined mortgage lending experience and we collaborate often to form ideas on how to improve you home buying or refinancing process. We consider our team members our family and our goal is to treat our clients the same way, with love care and attention to every detail.