Private Money Bancorp Inc. established in 2006. Formally Coast Capital.

We focus on the individual attention needed for each client.  We offer a variety of loan products to ensure that each of our borrower’s unique situation is assisted with the best option possible.

Coast has loan options others do not.  We are both a Direct Lender and a Broker of other loan products.  This enables us to provide a wide variety of options to our clients while keeping rates competitive.

We guarantee you less stress and more options!

Helping people make informed decisions about the best choice of mortgage financing is what we do best .

Whether you’re looking for a loan, want to get prequalified, need to understand the loan process, or just want a free consultation with a loan expert, we’re here to to help.

Alliance South Florida- Meghan Rollyson

Edwin was the best!

Edwin was the best! He made the whole process quick and painless!We had an unconventional loan, and was told by others they weren’t able to find anything that fit for us. But Edwin was able to find multiple options so we could see what worked best for us!The document system he used made the whole process as quick as can be. And with a digital checklist it’s easy to keep track of what’s needed.

Wendy Lazo

Excellent!!

GARY J ROCHA

Reverse Mortgage Loan

Very Helpful and courteous in helping us expedite our reverse mortgage loan application process. Appreciate all of Greg’s help.

Michael Wheeler

Michael Wheeler

I would recommend Edwin Baptista to any individual looking for a mortgage loan regardless of the complexity. His follow up skills and mortgage knowledge surpasses any ordinary mortgage loan officer that I have ever dealt with. I found him to be very knowledgeable with mortgage financing and a driven loan officer. Edwin is truly a loan officer who is vested in the welfare of his clients. Edwin definitely deserves a 5 star rating.

Brittany Alfonso

Highly Recommend

Edwin is my go to Loan Officer for every one of my clients he is amazing with everything that he does!! I highly recommend him to anyone that is looking to purchase refi or invest.

Mike Desai

Fantastic Job

Edwin did a fantastic job helping us navigate the often complicated and stressful home mortgage refinance process. What I love about working with Edwin (he’s handled all of our purchases and refinances including family members) is that he is always available to guide and answer questions and makes sure that things get done to completion. Edwin has my highest endorsement, and we will continue leveraging Edwin as our mortgage consultant.

Anonymous User

Extremely Responsive!
Faster Than Expected!

Phong Nguyen

There is not a Job too big or small for Mr. Goldstein and his team.    Michael’s goal is to build wonderful trustworthy connections with all his clients.   He  worked with me on a foreclosure and gave me detailed explanations throughout each step in the process, had an answer to every question I had or pointed me to the proper resource.  Michael and his associates will work around the clock to help you close your loan, regardless if it’s a small cash out refi or a creative financing type.
I highly recommend Michael Goldstein at Coast capital!

Swapan M – Orinda

I am very happy that Mike Goldstein and his team were able to assist me with a recent loan. Michael was very laid back and easy to work with while at the same time being on top of everything that was required. He was always willing to work with me and assist in whatever way he could to give me the information I needed. He worked well with my chosen realtor which helped make things easier as well.

There was some back and forth with income verification and I also had to repay some other loans I had, which were a pain, but that is how underwriting can go and it was at no fault to Michael. Michael advocated for me at every step in the process.  I am grateful my real estate purchase did not get canceled. Michael is a solid guy and I really enjoyed my experience with him. My purchase has been a great investment so far and I am thankful to Michael and his team.

Realtor Carina De Herrera

Mike and your team – Thank you for being a wonderful lender to work with.  It really makes my job so much easier when I work with a professional. You have been fantastic!

Mills Long Beach

“Jamie and his team were so helpful in hearing out my needs and getting me the loan I needed. They were there for me through the whole process, answering questions, and keeping everything flowing smoothly! I Highly recommend getting them on your team!”

Zvi Sunnyvale Great service, superb results

I knew it was the right time to refinance but I dreaded what was ahead: gathering my documentation, finding a trustworthy loan broker, locking a rate, waiting for the closing. Mike made all of it safe and easy. He asked a lot of questions and showed how I would save by consolidating existing mortgages. He minimized my closing cost by getting the appraisal waved. The rate was competitive and the loan closed in two weeks (for real). Mike was easy to talk with and always answered my questions with detail until he was satisfied I got it…

I would definitely be a repeat customer if the rates drop again.

Paul and Paula – Alamo

Review Left on 10/15/2021
We refinanced two properties with Coast Capital and they did a great job. The process was easy and the rates were very good. Mike Goldstein kept us informed and made the process simple. Thank you!

Ron F. Alamo

Review Left on 10/22/2021
Mike Goldstein has helped me through the loan process three times in the past 4 years. With all the rate changes over those years, he has saved me a significant amount of money each month on my mortgage. Mike always meets each deadline every step of the way. Its very comforting to know he is always looking for the best deal for me. Mike has always given me a list of payment options each time so I can make the best decision for my family. I have recommended Mike to several friends going through the loan process. Mike and his team communicate daily with me, always letting me know the status of my loan. After using many other loan brokers none seem to be able to deliver the results in a timely manor like Mike does.

Jeffery Long Beach

Review Left on 10/21/2021
Working with Jamie was an absolute pleasure. He has a firm grasp of the mortgage process, clearly communicates all options, and most importantly listens to his clients. This was the smoothest refi transaction that I’ve had over 25 years of buying, selling and refinancing properties. Highly recommended.

Steve S. Hercules

Review Left on 10/20/2021
I have had the pleasure of using the services of Coast Capital and, more specifically, Mike Goldstein on several occasions in refinancing my primary residence.
With all my interactions with Mike, some things remained constant.
1) I always had the feeling that Mike was looking out for me and that he made decisions that were best for me and not him.
2) He has an uncanny knowledge of the mortgage industry and can tap into solutions for any situation.
3) He works with equally efficient professionals, like the loan processor he likes to use.
4) He is a very upbeat person, a real optimist.

I can easily recommend Coast Capital and Mike for any real estate financing needs.

Absolutely! Hope you and the family are doing well.

Review left on 10/20/2020 10:43:01 AM
I have been working with Michael for years. He’s guided our family through multiple home loans and refinances. Highly professional, while still making you feel like family. Michael is capable of finding loans that fit your needs given any situation. Would highly recommend him and the Coast Capital team to help you through your first or next home loan or refinance!

Thank you,
Nichole French
Chief Financial Officer
Paramount Elevator Corp

Arron Long Beach

Review Left on 10/15/2021
The responsiveness and attention to our needs was top notch. We were very pleased with the transparency and communication throughout the refi process and would highly recommend Jaime to anyone looking for a new loan.

Adesuwa Olabanji

Review-date: Review left on 5/21/2020 10:08:40 AM
I highly recommend Coast Capital. I have worked with Mike Goldstein twice, my first home purchase and my first refinance. And working with him made my first time buying a home a smooth and fun experience. He truly cares about what you need, and he went above and beyond to make sure I had all the information required to make the right decision in purchasing and refinancing my first home. He comes highly recommended, and anyone would be lucky to have him as their lender.” – Adesuwa Olabanji

M and C , Danville CA

Review left on 6/16/2020 8:48:26 PM
“I have utilized Michael Goldstein for a home purchase loan (new) and numerous re-fi loans (straight forward and cash back)
Highly recommend his services and the team of associates are very easy to work with.
Michael is a “man of his word” Honest and trustworthy, I have recommended him to fellow family members and friends.
Reach out to him and of course decide for yourself.” – M and C , Danville CA

We own several businesses.

Mike recently helped us with two Refis at once. We own several businesses. Thus required documents were voluminous as both transactions were fairly complicated. Mike and his team at Coast Capital were available and very responsive, even after hours and weekends. They went out of their way to make the gathering and completing of documents as easy as possible. Without hesitation, we recommend the Coast Capital.

Mortgage Solutions That Make Sense

“Our priority is offering you mortgage solutions that make sense. We want to help demystify what can
seem like a complicated process, and help you explore options that will work best for your budget,
your family, and your future.”

“As comprehensive mortgage lenders and brokers, we help you expedite the mortgage process and
find rates and programs that are right for you. With licensing in multiple states (CA and FL), we’re
proud of the impact we’ve been able to create on the lives of hopeful home buyers across the region.”