Personal Loans & Mortgage Solutions
Local expertise serving your community since 1921
Exclusive Community Loan Programs
Cape & Coast Bank offers specialized loan programs designed specifically for our community and the people who make it special. From first-time homebuyer advantages to programs for community heroes, we’re committed to making homeownership and financial goals accessible and affordable.
First-Time Homebuyer Advantages
- Low down payments to help you get into your first home with less cash upfront
- Reduced mortgage insurance premiums that lower your monthly payment and improve affordability
- Flexible credit requirements that look beyond just your credit score to your complete picture
- Streamlined application process with local support to guide you through each step
Community Hero Loan Program
- Special mortgage rates for healthcare workers, educators, public safety officers
- Down payment assistance options specifically for eligible community heroes
- Discounted interest rate to lower monthly payment and increase affordability.
- Expedited approval process to help you compete effectively in the housing market
- Personalized financial guidance from loan officers who understand your role
Compare Our Loan Options
Cape & Coast Bank offers diverse lending solutions to meet your unique needs. Whether you’re buying a home, tapping into equity, or financing a special purchase, we have competitive options designed with you in mind.
Mortgage Loans
Find your perfect home or refinance your current mortgage with competitive rates and personalized local service.
- Fixed & adjustable rate options
- First-time homebuyer programs
- Local resident advantages
- Community hero discounts
- Vacation property specialists
- Local decision-making
- Fast pre-approval process
Home Equity Solutions
Access your home’s equity with flexible options including fixed-rate loans and revolving lines of credit.
- Fixed rates & HELOC options
- Terms up to 20 years
- No closing cost options available
- Easy application process
- Interest-only payment options
- Local property expertise
- Fast funding timeline
Construction Loans
Build your dream home or renovate with flexible financing that converts to a permanent mortgage.
- Fixed & adjustable rate options
- One-time closing fee
- Interest only during construction
- Local underwriting & decisions
- Primary & secondary residences
- Land purchase can be included
- Jumbo loan amounts available
Personal Loans
Finance life’s special moments or unexpected expenses with fixed rates, flexible terms, and quick approval decisions.
- No collateral required options
- Fixed rates & terms
- Quick approval process
- Local resident advantages
- Flexible loan amounts
- Direct deposit options
- Local decision-making
What Our Customers Say
Lewis
Heather Harwich
Aaron Cotuit
Local Lending Expertise
For over a century, we’ve been helping Cape Codders achieve their financial goals through personalized lending solutions. Now as Cape & Coast Bank, we continue our legacy of local decision-making and deep community understanding that national banks simply can’t match. Whether you’re buying, building, renovating, or refinancing, our local experts are here to guide you.
Meet Our Mortgage Loan Officers
Our experienced mortgage loan officers are here to guide you through every step of the home financing process. They’re committed to finding the right solution for your unique situation and goals.
Why Choose Cape & Coast Bank?
When you choose Cape & Coast Bank for your loan needs, you benefit from our deep understanding of the local market, community decision-making, and commitment to personalized service throughout your lending journey.
Start Your Loan Journey Today
Whether you’re ready to apply or just exploring your options, our team of lending experts is here to help. Enjoy competitive rates, local decision-making, and personalized service throughout your borrowing experience.
