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Discover quiet family living in Monterey County's hidden gem - a safe, close-knit community of 1,600 residents in the Peninsula's sunbelt.
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.
Small town charm on the Peninsula
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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.
Quiet residential area with family homes and peaceful suburban atmosphere
Cul-de-sac community with well-maintained homes and friendly neighbors
Main residential district along Highway 218 with easy Peninsula access
Established residential community with condominiums and townhomes
Nature-adjacent homes near the tranquil wetland preserve and walking trails
Paste a listing URL and get a detailed breakdown of which loan programs fit the property, with payment examples and risk flags.
Discover mortgage opportunities in communities near Del Rey Oaks
Historic capital with Cannery Row, Monterey Bay Aquarium, and Fisherman's Wharf
Most diverse city with CSU Monterey Bay and Fort Ord National Monument
Artist colony with West End Celebration galleries and coastal recreation
Former Fort Ord with CSU Monterey Bay, dunes preserve, and kite surfing
Salad Bowl of the World and Steinbeck's hometown with agricultural heritage
Experience the best of both worlds in Del Rey Oaks - intimate small-town living with all Peninsula attractions minutes away. Join our friendly community of 1,600 neighbors.
Updated 4/14/2026
Monterey Ca Del Rey Oaks is updated daily with practical mortgage guidance for this page.