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We've developed over 50 loan programs to best suit your financial needs.

Mortgage Refinance

Fixed Rate Mortgages

A fixed rate loan program ensures that your interest rate and loan payment remains the same throughout the existence of your loan. Seaside offers 10-40 year fixed rate programs.

Adjustable Rate Mortgages

An adjustable rate mortgage allows you to lower your monthly payments by reducing your initial interest rate.

Debt Consolidation Loans

Cash Out Refinances

There are many reasons to refinance. Perhaps your adjustable rate mortgage (ARM) is about to adjust upward, your balloon loan is about to reach maturity, or your interest only loan will soon require principle payments. If you are simply looking to lower your monthly payment, lower your interest rate, pay off your loan faster, get cash out, or consolidate your debt, Seaside Mortgage can refinance your existing loan mortgage and help with your financial status.

Home Purchases

100% Financing

Combo Loans

Seaside offers lending options for first time home buyers and new home purchases that can help you to buy the home you want. Zero down payment options allow you to keep more cash. To avoid private mortgage insurance, Seaside offers 80/20 combination loans. In addition, we offer interest only loans and other creative lending options.

Stated Income and Alternative Mortgage Loan Programs

If you are self employed, have recently taken a new job, or want to simply reduce the amount of paperwork needed to close your loan, stated income may be the perfect program for you.

Stated income allows you to "state" your annual income, eliminating the need to document your income through pay stubs, tax returns and other official documents. Other loan programs include; No Income/No Asset, which allows you to state your income and assets and receive the loan needed. No Ratio eliminates the need to pass industry standard debt-to-income and payment-to-income ratios.

Interest Only Loan Program

An interest only loan allows you to pay interest during the initial interest only period. This allows you to lower your monthly payment, qualify for a larger loan amount, and free more cash up for investing, paying down debt, decorating your home, etc.

Home Equity

Seaside suggests Home Equity Lines of Credit and Home Equity Loans to be used to consolidate debt, make home improvements, pay off high rate loan or line, or pay education costs, or a new car, boat, or RV. Lines of credit offer no annual fees, no minimum draw amount, and rates as low as 1% below prime. Equity Loans offer fixed rate interest, LTV up to 100%, and terms up to 20 years.