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To be the most recommended mortgage company in California, fulfilling each customer’s dreams while building relationships for life.  We take pride in treating our clients with honesty and integrity, providing outstanding service through advice and education, while consistently offering the lowest possible rates and fees.

Client Testimonials

I closed a refinance yesterday with John. I would highly recommend him to anyone looking to purchase or refinance real estate. It is rare to…Read More


I just closed escrow on a new home and John went above and beyond for us from the pre-approval to the final close. John is…Read More

Brian K.

We just completed the purchase of our new home and John was excellent to work with in securing and closing our loan. He is highly…Read More

Amy J.



Plan ahead, so you
qualify later.


We help you find the
best deal faster.


Apply and get approved
on your terms.


Close your loan in as
few as 19 days.

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Welcome to J&J Coastal Lending

We are a California Based Top 200 Mortgage Lender of Residential Home Loans with Over 56 Years of Combined Industry Experience.

Located in Huntington Beach CA, we are one of California’s largest privately held, non-bank, mortgage lenders and mortgage brokers.  Mortgages are our sole focus.  Our team’s expertise allows us to make the mortgage process faster, easier and more understandable for our customers.  We offer the flexibility and personal approach of a small business combined with the security of a large, financially stable institution.  Our uncompromising integrity leads us to exceed customer expectations in all we do, including providing an honest, dependable response that is one of the fastest in the industry.

Our mortgage bankers know what they’re doing.  Using the latest comparative analysis software to instantly research and compare dozens of investors and loan programs, they are able to find the best home loan available anywhere to meet your unique needs.

J&J Coastal Lending Loan Options

Fixed Rate Mortgage

If you plan to stay in your home for the long term, sleep tight knowing you will have the stability of a consistent payment that never changes.

VA Home Loan

Are you are a veteran, member of the military or military spouse?  You may qualify for a VA loan which can allow for $0 down payment and no monthly mortgage insurance.

FHA Home Loan

An FHA loan provides a government-insured loan with flexible loan options. Less strict credit requirements and qualifications.

Jumbo Homes Loans

When a loan amount reaches a certain point, Jumbo and Super Jumbo Portfolio Loans can offer high-end financing that a traditional loan can’t.

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