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Del Rey Oaks holds about sixteen hundred people on the Monterey Peninsula, and a handful of houses sell here in a typical year.
Explore mortgage options in Del Rey Oaks, 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.
A very small peninsula market
Paste a listing URL and get a detailed breakdown of which loan programs fit the property, with payment examples and risk flags.
There are only a few a year. Have the financing settled so you can move when one appears.
A residential street of postwar houses under mature oaks.
The main residential area, most of the city's housing in a few blocks.
A newer pocket of houses on the eastern edge.
The wetland preserve and the streets that back onto it.
* 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, $149.50 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.
Buying a home in Del Rey Oaks starts with matching the right loan program to the neighborhood you want and the payment you can carry.
Monterey County anchors this corner of the Central Coast's housing market, and Del Rey Oaks reflects it — lending volume, inventory, and price points here track the county while staying distinctly local.
Financing choices in Del Rey Oaks span conventional, FHA, VA, and jumbo structures, and the right fit depends on documentation, credit profile, and program-specific loan limits.
Del Rey Oaks borrowers frequently compare options against nearby communities such as Carmel-by-the-Sea, Gonzales, Greenfield.
Updated 9/27/2026
Monterey Ca Del Rey Oaks is updated daily with practical mortgage guidance for this page.