Overview

We understand real estate, from mortgage options for a single family residence to complex financing needs associated with real estate development.  We started our bank by hiring experienced real estate lenders and implementing advanced technology to support real estate financing.  Our management team has extensive knowledge of real estate values and trends on the Central Coast.
 
All of our credit decisions are made locally.  This allows us to respond more quickly than other banks, so you don’t miss the opportunity when a superior transaction becomes available.
 
We offer an extensive array of real estate loans for most types of property, generally only excluding real estate with high profile environmental risk.  Our construction lending program is supported by an advanced budgeting and disbursement system.  We offer interim or "bridge" financing in addition to traditional term financing.
 
We do not offer sub-prime loans or engage in predatory lending.  We do not offer real estate loans with negative amortization.
 
If you are considering a real estate purchase or the refinance of an existing loan secured by real estate, please call or visit our office for a personal consultation.  Our real estate financing program is designed to provide you with a customized loan that best fits your current and projected needs.  In addition, we can integrate your real estate financing with our depository products and cash management programs for enhanced customer convenience.