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Experience timeless elegance in America's last hometown, where Victorian architecture meets monarch butterflies and dramatic coastline along Monterey Bay.
Explore mortgage options in Pacific Grove, 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.
Victorian charm meets coastal beauty
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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.
Tree-lined streets with preserved Victorian homes and cottages from the 1800s Methodist retreat era
Oceanfront neighborhood near beautiful Lovers Point Beach with tide pools and sea otter viewing
Coastal residential area near Asilomar State Beach with conference grounds and dune landscapes
Elevated hillside neighborhood with tree-covered streets and views of Monterey Bay
Quiet residential district surrounding the famous monarch butterfly sanctuary and preserve
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Discover mortgage opportunities in communities near Pacific Grove
Historic capital with Cannery Row, Monterey Bay Aquarium, and Fisherman's Wharf
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
Step into America's last hometown where Victorian elegance meets Pacific beauty. From monarch butterflies to historic lighthouses, Pacific Grove offers timeless coastal living.
Updated 4/14/2026
Monterey Ca Pacific Grove is updated daily with practical mortgage guidance for this page.