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Discover luxury coastal living in California's first capital city, home to the world-famous Monterey Bay Aquarium, Cannery Row, and stunning bay views.
Explore mortgage options in Monterey, 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.
Historic capital city with world-class attractions
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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
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Historic waterfront district with luxury hotels, shopping, and dining overlooking Monterey Bay
Affordable hillside neighborhood above Cannery Row, built in the 1920s-40s for cannery workers
Historic district centered around Custom House Plaza with government buildings and cultural sites
Tourist-oriented waterfront area with seafood restaurants, shops, and whale watching tours
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Discover mortgage opportunities in communities near Monterey
Butterfly Town USA with Victorian homes and Lover's Point coastal trail
Fairy tale village with white-sand beach, art galleries, and luxury boutiques
Most diverse city with CSU Monterey Bay and Fort Ord National Monument
Garden city with Frog Pond Wetland Preserve and former Fort Ord access
Artist colony with West End Celebration galleries and coastal recreation
Experience coastal living in Monterey with world-class attractions, historic charm, and Monterey Bay at your doorstep. Get pre-approved today for your piece of California history.
Updated 4/14/2026
Monterey Ca Monterey is updated daily with practical mortgage guidance for this page.