Multiple Loan Term Options for Every Goal
Conventional loans offer unmatched flexibility with a wide selection of repayment terms—ranging from short 10-year loans to longer 30-year options. Whether you want to lock in long-term stability with a fixed-rate mortgage or take advantage of lower initial payments with an adjustable-rate mortgage (ARM), you can structure your loan to match your lifestyle, financial plans, and homeownership timeline.
No Private Mortgage Insurance with 20% Down
One of the key advantages of a conventional loan is the ability to avoid Private Mortgage Insurance (PMI) by making a 20% down payment. This not only lowers your monthly costs but can also save you thousands of dollars over the life of your loan. Even if you can’t reach the 20% threshold right away, you can request to remove PMI once you build enough equity—adding long-term financial flexibility.
Higher Loan Limits for Greater Purchasing Power
Unlike some government-backed programs, conventional loans allow you to borrow more—making them an excellent choice for buyers in higher-cost housing markets. Whether you’re looking to purchase a luxury home, a property in a competitive metro area, or an investment property, conventional loan limits give you more room to make your dream home a reality.
"The Coast2Coast Advantage"
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From VA and FHA to DSCR, jumbo, and niche investment programs, we have a solution for every borrower.
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Licensed in Arizona, Arkansas, Washington, and Idaho with insights into each market.
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We work to secure the best terms possible while keeping costs manageable.
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Clear communication, fast turnaround, and guidance at every step.
Ideal for Strong Credit and Stable Income
If you have a solid credit history and stable income, conventional loans reward you with the most competitive interest rates and favorable terms available. This means lower monthly payments, more predictable expenses, and the ability to pay down your mortgage faster. By leveraging your financial strengths, you can create a loan strategy that maximizes your long-term wealth-building potential.
Why Homebuyers & Investors Choose David Kulick – Coast2Coast Mortgage
With David Kulick – Coast2Coast Mortgage, we believe finding the right mortgage should be simple, transparent, and tailored to you. Whether you’re purchasing your first home, refinancing for better terms, or building an investment portfolio, we provide the expertise and loan options to make it happen.
We are known for
Unmatched Customer Service
Creative Financing Solutions
Speed & Efficiency
Trust & Transparency
"FAQs"
We offer a wide range of programs including VA Loans, FHA Loans, Conventional Loans, DSCR Programs, Short-Term Rental Loans, Jumbo Loans, USDA Loans, Self-Employed Loans, Pad Split Loans, and Foreign National Loans.
No. We work with borrowers across a wide credit spectrum and can recommend programs designed for those with less-than-perfect credit.
On average, most loans close within 30 days, but timelines can vary depending on the loan type and your readiness with required documentation.
We are currently licensed in Arizona, Arkansas, Washington, and Idaho, with deep expertise in each market’s unique lending requirements.
The easiest way is to contact us for a free consultation. We’ll review your goals, discuss your options, and guide you toward the best financing solution.
Your Mortgage, Your Way
With David Kulick – Coast2Coast Mortgage, we believe your financing should fit your life, not the other way around. That’s why we offer customized mortgage solutions designed around your goals, budget, and timeline. Whether you’re a first-time buyer, a seasoned investor, or refinancing for better terms, we tailor every detail to ensure your loan works for you—today and for years to come.
