Mortgage Loans

Conventional Mortgages

Our conventional mortgages give you down payment options, competitive rates, and a number of other features.

FHA/USDA Loans

Government-backed loans that require lower down payments (sometimes none), flexible credit choices, and lower-income guidelines.

VA Loans

Eligible veterans can receive program benefits to secure the home of their dreams.

Jumbo Loans

Need a bigger loan? Whether it’s a primary residence, vacation home, or investment property—we’ve got options to make it happen.

Home Equity Loan

You can pay for college, consolidate bills or renovate your kitchen with low, predictable monthly payments.

Home Equity Line of Credit

Advance and pay down your loan on your schedule. Plus lock in fixed monthly payments while retaining access to the remaining line of credit.

Residential Lot Loan

Buy the land now – build whenever you’re ready.

Land Loan

What they say is true: they’re not making any more of it. Claim your plot now.

Construction Loan

Bring on the bulldozers. Finance construction of your home now—mortgage payments come later.

Photo Sara Singleton

Sara Singleton

Mortgage Originator
NMLS # 408004
sara.singleton@southcoast.bank

Mortgage Calculator

Loan Amount

Length of Mortgage

Years

Annual Interest Rate

Use this calculator to estimate your monthly mortgage payment. Simply enter the loan amount, length of your mortgage and annual interest rate to calculate your payment.

Disclaimer: Monthly payments shown are principal and interest only and do not include private mortgage insurance (PMI), taxes, insurance or other escrows. Actual payment amount may be greater.

BANK LENDERS & NMLS

The NMLS number for Southcoast Bank is 786147. Other numbers include:

Al McKinnon	532711
Joe Applegate	571298
Jarret Graham	571301
Jim Curry	1242613
Jesse LeGrand	1839925
Sara Singleton	408004

Basic
Features	Complementary anywhere banking tools
Identity Theft ^1,2 Benefits	Up to $1,000 in personal identity theft benefits and identity restoration
Buyer's Protection & Extended Warranty^{1, 2}	Up to $2,500 per item
Access to the BaZing Savings Network
Cell Phone Protection^{1, 2}
24/7 Roadside Assistance
Health Savings Card
Travel Accidental Death Coverage²
Balance to Open	$50
Fees to Consider	Avoid the $3 monthly paper statement fee by enrolling in eStatements
Rewards
Features	Complementary anywhere banking tools
Identity Theft ^1,2 Benefits	Up to $5,000 in personal identity theft benefits and identity restoration
Buyer's Protection & Extended Warranty^{1, 2}<	Up to $2,500 per item
Access to the BaZing Savings Network	x
Cell Phone Protection^{1, 2}	Up to $400 per claim
24/7 Roadside Assistance	Up to $80 in covered service charges per service
Health Savings Card	x
Travel Accidental Death Coverage²	Up to $10,000 travel accidental death coverage
Balance to Open	$50
Fees to Consider	Flat $6 monthly maintenance fee
Premium
Features	Complementary anywhere banking tools and our best checking interest rate
Identity Theft ^1,2 Benefits	Up to $5,000 in personal identity theft benefits and identity restoration
Buyer's Protection & Extended Warranty^{1, 2}	Up to $2,500 per item
Access to the BaZing Savings Network	x
Cell Phone Protection^{1, 2}	Up to $400 per claim
24/7 Roadside Assistance	Up to $80 in covered service charges per service
Health Savings Card	x
Travel Accidental Death Coverage²	Up to $10,000 travel accidental death coverage
Balance to Open	$50
Fees to Consider	Maintain a $1,000 minimum balance every day of the month to waive the $8 monthly fee
Platinum
Features	Complementary anywhere banking tools and our best checking interest rate
Identity Theft ^1,2 Benefits	Up to $10,000 in personal identity theft benefits and identity restoration, credit monitoring³, identity monitoring³, free credit reports and credit score³
Buyer's Protection & Extended Warranty^{1, 2}	Up to $2,500 per item
Access to the BaZing Savings Network	x
Cell Phone Protection^{1, 2}	Up to $600 per claim
24/7 Roadside Assistance	Up to $80 in covered service charges per service
Health Savings Card	x
Travel Accidental Death Coverage²	Up to $25,000 travel accidental death coverage
Balance to Open	$50
Fees to Consider	Flat $10 monthly fee