Purchasing a Property
Whether you are a first-time homebuyer or a seasoned investor adding to your real estate portfolio, Coast to Coast Mortgage offers the most expansive choices for conventional financing available in the marketplace. Our financing options can be tailored to specific needs for cash outlay and monthly payments. We offer the broadest range of conventional no-money down financing for different levels of credit and different types of property (including condominiums, multi-units, and investment properties).

Apply for a Property Purchase Consultation
Click here to apply for a property purchase consultation.

For the Experienced Buyer
For you savvy investors, we specialize in all types of difficult transactions. Rental properties, multi-unit properties, log cabins, and other hard to approve transaction do not scare us. CTC offers the most expansive choices for conventional financing available in the marketplace. Our financing options can be tailored to specific needs for cash outlay and monthly payments. CTC has products which require no down payment for those who want to keep their cash with them, and no proof of income in order to have less paper work. CTC can get your escrow closed and get you into your new home in less time than our competitors. We will make it painless for you. We want the process to be as easy as possible for our customers. It would be best for us to talk with you about your options, so give us a call 800-805-7774.

We at Coast to Coast Mortgage are happy that you decided to buy your first home. You are probable nervous and excited at the same time. It is scary to buy your first home but it is worth it. There are no classes to teach you how to do it, so we would like to offer 6 helpful hints to try to clear the confusion.

6 Helpful Hints for First-Time Homebuyers from CTC Mortgage Planners.

#1. Buying with a Real Estate Agent
#2. Buying without a Real Estate Agent
#3. Using the Seller's Agent as your Agent
#4. Getting a Pre-Approval Letter
#5. Planning the Right Mortgage
#6. Take a deep breath

CTC Accomplishments
We are a proud Member of the Better Business Bureau. We have no complaints and have an AA ratting. CEO Jon Spica has appeared on Philadelphia PBS affiliate WHYY's 5:30 evening news show to discuss the latest mortgage trends and consumer concerns. Jon Spica is the Columnist for the monthly magazine, BROKER AGENT Magazine, in which he brings to light the myths of the mortgage industry and shares advise on how to best plan your future. The following are a few of the comments clients have made about Coast to Coast Mortgage.

Previous CTC Client Remarks
"I was glad to work with Shavonne Reynolds at Coast to Coast; she really understands my family's needs. The fact that she was able to drive all the way out my home in Moreno Valley to meet with me at 8 p.m. was fabulous. She spent over two hours at my home that night making sure I understood every detail. I have never experienced this kind of service from a mortgage company." -- Kerry Martin, CTC Client

"The home buying process could not have been any easier, and getting to escrow was a breeze. Brian Criscuolo's expertise was very impressive. He was so patient and thoughtful. He always made sure we knew what was going on." -- Anthony and Hope De Los Santos, CTC Clients

"I was so tired of shopping around for a good rate; I did not know who to trust and I was getting all kinds of conflicting information. It was a breath of fresh air to talk with Edward LeBaron at Coast to Coast Mortgage. He shopped around for me and found me an incredible rate of 5% on a 30-year fixed loan. I couldn't believe how hard he worked for me day and night. I recommend Coast to Coast to everybody!" -- Mario Leduc, CTC Client

"I've practiced real estate law for over 20 years, but I always learn something new from Jon Spica [CEO of CTC mortgage]. He has a unique way of applying finance principles to his clients' very specific circumstances. It's like they get a custom-fitted loan." -- Robert J. Grossman Real Estate Attorney, of the Law Office of Robert J. Grossman in Century City, CA

Q. I have bad credit. Can I get a loan?
Q. Why do you need my Social Security Number?
Q. I don't want you to pull my credit because the inquiry will bring my credit score down.
Q. What is your rate?
Q. I'm worried about rates going up. What do you suggest I do?
Q. What are your points and costs?
Q. What happens when my ARM starts to adjust?

Interest Only Versus Paying Principal In the last several years, many homeowners have embraced the concept of paying only their interest on their mortgage, and not worrying about paying their principal down. While some customers think this is a new concept, and are 'wary' of the risk, this has been done by savvy investors and the wealthy for many years.
There are several reasons for this. First, over any extended period of time, your home will likely appreciate heavily in value. When you pay principal, you are only paying down about 1% of what you owe in any of the first several years of your loan; investors know the appreciation on their home during this time will far outpace how much principal they are required to pay. In other words, the way to build equity in a home is not by paying principal to the bank, but by using it as an investment and letting the value of the home appreciate.
One of the other reasons that investors don't pay principal towards a loan is because they know that they can always put that money to better use rather than giving it to the bank. One of the most frequent concerns of my customers is that they just don't know what they would do with the extra money; simply putting it into a savings account won't do much.
At Coast to Coast, we provide a special service, in that we can set up a free consultation with our investment advisor partners at World Financial Group to go over your finances and present to you opportunities to earn large returns on your investments in sound financial vehicles. Once these opportunities were only available to the investor class; Coast to Coast & World Financial are committed to making them available to you.

CTC Credit Repair Program
A lot of our customers call us up wanting our top programs because they know we have the lowest payments and rate and the best mortgage plans. Unfortunately, not everyone can qualify for these programs. The number 1 reason is poor credit. Fortunately CTC now offers an alterative, the "Credit Repair Program." In the past customers with less then perfect credit had to take a high rate, unaffordable payments, or was turned down altogether. Now, they can take advantage of the super low rates that the A+ credit gets even though they have had made some mistakes in the past with CTC's "Credit Repair Program."
How can someone with bad credit get the same great rate as someone with perfect credit? With CTC's Credit Repair Program we look at future credit. If you can show that you can make on time payments and that you are trying to clean up you credit, you will get the lowest rates in the market.