Business Details
Trusted Mortgage Solutions in Citrus Heights, CA
At Coastal Pacific Mortgage, we are committed to setting a high standard in the mortgage industry by prioritizing quality customer service. Our mission is to guide clients through the home loan process with consistency and communication, helping them confidently select the best mortgage solutions for their needs. We focus on building lasting relationships by exceeding expectations through expertise in residential lending, personalized consultations, and a dedication to making homeownership accessible. Our team works tirelessly to ensure clients feel supported throughout every step of their journey, fostering trust and confidence in our services. 
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Reverse Mortgages
DSCR Loans
Non-QM Loans
Bank Statement Loans
Refinance Loans
Highlights and features
- We offer 20+ years of expertise in residential mortgage lending.
- Our team provides personalized loan programs tailored to individual needs.
- We guarantee fast, transparent communication throughout the loan process.
- Our clients benefit from competitive rates and low down payment options.
- We specialize in assisting first-time homebuyers with expert guidance.
What people say
Outstanding communication
Stress-free process
Competitive rates
Expert guidance
Highly recommend
Services
Conventional Loans
Conventional loans offer stable, fixed interest rates with terms ranging from 10 to 40 years. Ideal for borrowers seeking predictable monthly payments and long-term financial planning. These loans require down payments as low as 3%, with flexible credit requirements for qualified applicants.
FHA Loans
FHA loans provide low down payments and lenient credit criteria for first-time buyers. Backed by the Federal Housing Administration, they ensure affordable homeownership options for individuals with moderate income or less-than-perfect credit histories.
VA Loans
VA loans offer zero down payment options and competitive rates for military veterans and active-duty personnel. These U.S. Department of Veterans Affairs-backed loans prioritize accessibility and financial support for eligible service members and their families.
Refinance Loans
Refinance loans help homeowners lower monthly payments, reduce interest rates, or access equity. Options include rate-and-term refinancing and cash-out refinancing, tailored to improve financial flexibility or fund major expenses.
Reverse Mortgages
Reverse mortgages provide income for homeowners aged 62+ by converting home equity into payments. These loans allow seniors to remain in their homes while supplementing retirement income, with repayment deferred until the home is sold or vacated.
People
David Boliard
Mortgage Advisor/Branch Manager
David Boliard is a seasoned mortgage professional with over 20 years of experience. He specializes in guiding clients through complex loan processes, ensuring transparent communication and tailored solutions for first-time buyers and investors.
Chris Bist
Mortgage Advisor
Chris Bist brings extensive expertise in residential lending, focusing on personalized client support. With a commitment to responsiveness and ethical service, he helps clients navigate loan options and achieve timely closings.
Shayron Boliard
Office Manager
Shayron Boliard oversees daily operations with a focus on client satisfaction. Her organizational skills ensure seamless coordination between clients, lenders, and real estate professionals throughout the mortgage process.
Chant Boliard
Marketing Coordinator
Chant Boliard manages marketing initiatives to connect Coastal Pacific Mortgage with homebuyers. Her strategic outreach emphasizes the company's commitment to accessible, client-first mortgage solutions.
Questions
What loan programs does Coastal Pacific Mortgage offer?
We offer conventional, FHA, VA, USDA, jumbo, reverse, DSCR, non-QM, bank statement, refinance, and foreign national loans tailored to diverse client needs.
Can first-time homebuyers qualify for low down payment options?
Yes! FHA loans require as little as 3.5% down, and VA loans offer zero down payment options for eligible veterans.
How long does the mortgage process take?
Most loans close within 30-45 days, with expedited options available for qualified borrowers needing faster closings.
Do you offer refinancing services?
Yes, we provide rate-and-term refinancing and cash-out options to help homeowners lower payments or access equity.
Are there special programs for self-employed individuals?
Bank statement loans verify income through deposits, offering flexible solutions for self-employed applicants.
What areas do you serve?
We primarily serve Citrus Heights, Sacramento, and surrounding California regions with nationwide lending capabilities.
