Expert Mortgage Solutions for your

unique and specific financing needs.

Welcome to Ranch & Coast Financial, where we provide tailored mortgage options designed to meet the unique needs of every client across diverse backgrounds and financial situations. With over 20 years of experience, we make your home-financing journey simple, straightforward, and as stress free as possible.

At Ranch & Coast Financial, we offer a variety of mortgage products to suit every financial situation and goal. Explore our offerings to find the solution that fits your needs best.

Our Mortgage Solutions

Products & Services

Flexible lending for self-employed individuals and business owners.

Non-QM- Bank Statement, Profit & Loss Programs

Traditional loan option with fixed monthly payments and competitive interest rates.

30-Year Fixed Conventional

Jumbo ARMs & 30-Year Fixed (Up to $6M)

For high-value properties, offering both adjustable-rate and fixed-rate options.

Ideal for first-time homebuyers with lower down payment requirements.

FHA Loans

Cash-Out Refinance 30 & 40 year Interest-Only Options

Access your home’s equity or reduce monthly payments with flexible refinancing choices.

Are two popular financing options that allow you to draw on the equity you’ve built in your home to pay for certain expenses. Both a HELOAN and a HELOC use your home as collateral, which means these financing options tend to boast lower interest rates than credit cards or personal loans. A revolving credit option for ongoing access to your home's equity.

Heloc & Heloan

A DSCR loan is a mortgage product that caters to real estate investors. This non-QM loan features a streamlined approval process that doesn’t involve traditional income verification.

DSCR

Yvette Marquez

About

Yvette Marquez, founder of Ranch & Coast Financial, brings over 20 years of experience and a deep passion for helping her clients find the right mortgage. Starting her career specializing in first-time homebuyers, Yvette has since expanded her expertise to work with seasoned investors as well. She combines her extensive knowledge of finance with a commitment to personal service. Her mission is simple: to guide each client through the financing process, ensuring a seamless and informed experience. At Ranch & Coast Financial, Yvette and her team are dedicated to exceeding expectations and delivering results tailored to each client's goals.

Yvette was incredible to work with. She made the entire mortgage process easy and stress-free. Highly recommended!

“

— Ana Williams

Why Choose Ranch & Coast Financial?

Why Us

Our track record speaks for itself. Yvette Marquez has helped countless clients achieve their financial and homeownership goals.

Here’s what sets Ranch & Coast Financial apart:

Client-centric approach to financing solutions
Transparent, reliable guidance for every step of the process
Proven success in both traditional and specialized loan options

Apply Now

Ready to move forward? Start your application with us and secure the right mortgage for your needs. Whether you're purchasing a new home or refinancing an existing mortgage, our team is here to guide you every step of the way.