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Own a piece of magic in California's most enchanting village, where storybook cottages meet world-class galleries and pristine white-sand beaches.
Explore mortgage options in Carmel-by-the-Sea, Monterey County, California. Compare 25+ loan programs including conventional, FHA, VA, jumbo, and investment property financing.Get personalized rates and expert guidance from SRK Capital's local mortgage team.
Fairy tale village luxury market
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* Rates shown as of and subject to change without notice.
* Rate scenario based on: $650,000 loan amount, 20% down payment ($812,500 purchase price), 740+ credit score, owner-occupied single-family home, with impounds.
* Your actual rate may vary based on your specific credit profile, loan amount, down payment, and other factors.
* APR fees include: $1,350 lender underwriting fee, $80 lender doc fee, $995 processing fee, $99.50 credit report, and third-party fees (title, escrow, appraisal).
* Contact an SRK CAPITAL loan officer for a personalized rate quote.
NMLS #2043372 | DRE #01961971
Equal Housing Lender | © SRK CAPITAL INC.
The heart of Carmel with fairy tale shops, galleries, and boutique inns along the main boulevard
Coastal luxury homes and beach cottages overlooking pristine white sand and Monterey Bay
Famous Hugh Comstock storybook cottages including the Hansel and Gretel houses from the 1920s
Quiet residential neighborhood with charming homes and historic bed & breakfast inns
Artistic enclave near galleries and the historic Carmel Art Association building
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Discover mortgage opportunities in communities near Carmel-by-the-Sea
Historic capital with Cannery Row, Monterey Bay Aquarium, and Fisherman's Wharf
Butterfly Town USA with Victorian homes and Lover's Point coastal trail
Most diverse city with CSU Monterey Bay and Fort Ord National Monument
Garden city with Frog Pond Wetland Preserve and former Fort Ord access
Salad Bowl of the World and Steinbeck's hometown with agricultural heritage
Make your dreams come true with a home in California's most enchanting village. Experience storybook living where artists thrive and ocean meets forest.
Updated 4/14/2026
Monterey Ca Carmel By The Sea is updated daily with practical mortgage guidance for this page.