Welcome to Coast Residential Funding - John Lofano!

John Lofano is your premier mortgage expert located in Saratoga, California, and servicing all of the Bay Area, Silicon Valley, and all of California. He prides himself on offering some of the lowest rates nationwide and in making the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Bay Area and throughout California.

Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, John can help you take that first step toward a financial solution.

A family moving in to their new home.

Homebuyers

See how much you qualify for in today's market.

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Today's Rates

See if the time is right for you to purchase or refinance.

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Refinance

We can help you lower your rate or take cash out.

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Loan Programs

Learn about different types of home loans.

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Your top mortgage questions, answered

Common types include conventional loans, FHA loans, VA loans, USDA loans, fixed-rate mortgages, and adjustable-rate mortgages. Each type has its own eligibility requirements, benefits, and drawbacks.

A fixed-rate mortgage has a constant interest rate throughout the loan term, leading to predictable monthly payments. An adjustable-rate mortgage (ARM) has an interest rate that can change periodically, causing fluctuations in monthly payments.

Pre-qualification provides an estimate of how much you might be able to borrow based on the information you provide. Pre-approval involves a more thorough review of your financial situation and credit history, resulting in a conditional commitment from a lender.

While it may be more challenging to qualify for a mortgage loan with bad credit, there are still options available. Government-backed loans like FHA loans may have more flexible credit requirements, and some lenders specialize in working with borrowers with less-than-perfect credit.

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What our clients are saying

Yelp 5 Stars

CATHY C.

Los Gatos, CA

I've known John for several decades. He assisted me with a mortgage for my condo, and then with 2 refis after that. I can't say enough good things about him. He is patient and so helpful to those who are nervous about their home purchase. No question is stupid to him and he is able to explain financial matters in layman's terms. I have recommended several friends to him without hesitation. Without his assistance and knowledge, I do not think I would have been able to finalize my condo purchase several years ago. I'll always be grateful for his assistance.

Yelp 5 Stars

Emily H.

Santa Clara, CA

I've used John Lofano's services at Coast Residential Funding for both my financing and re-financing. He is personable, informative, and does not try to confuse you. He breaks down a complicated process and explains it in a way that I now feel I know a little something about how mortgages work. I've recommended his services to many friends and clients of mine and they are all just as impressed.

Yelp 5 Stars

Brian T.

Santa Clara, CA

We used john Lofano for a house we purchased in October. John was referred to us due to a bad situation. John (and his assistant Nancy) worked tirelessly with us and was able to get us a loan I thought we would never qualify for sue to a short sale. John goes above and beyond to get the best deals for you. Even going so far as sitting with you and helping write or fill out any documentation needed. I highly recommend John and coast residential funding.

Yelp 5 Stars

Marc M.

Rochester, MI

I've had the pleasure of working with John on several mortgage loans and he's always gotten the job done quickly and given great pricing! He responds to all my my emails and always picks up the phone.