Oregon Coast Real Estate

Find Your Place
on the Oregon Coast

From Cannon Beach to Brookings — honest guides to twelve coastal towns, and straight answers on what it takes to finance a home at the ocean’s edge.

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Phuong Ha, mortgage loan originator

Phuong Ha

Mortgage Loan Originator
NMLS #1839449

Financing the Coast

The Right Home
Needs the Right Loan

Coastal homes raise questions most purchases never do. Is it a second home or a rental? Is it in a flood zone? Will a lender accept the condo project? Does the well need testing? Phuong Ha is a licensed mortgage loan originator with Mortgage Solutions Financial, and he has also worked as a Realtor for more than 20 years. He’ll help you sort these questions out before you make an offer, not after.

20+ Years in Real Estate
12 Coast Towns Covered
OR Licensed in Oregon
Talk Financing With Phuong

Coastal Communities

Discover Oregon’s Finest Coastal Towns

Each town along the Oregon Coast has its own personality, charm, and real estate opportunities. Explore all 12 communities from Cannon Beach to Brookings.

Featured

Newport

The crown jewel of the Oregon Coast. Newport blends a working fishing harbor with a thriving arts scene, world-class marine science, and stunning ocean views at every turn.

  • Oregon Coast Aquarium
  • Historic Bayfront District
  • Yaquina Head Lighthouse
  • Hatfield Marine Science Center

Lincoln City

Seven miles of uninterrupted beach, a lively casino, legendary kite festivals, and the annual glass float hunt make Lincoln City the coast’s most versatile destination.

  • D River — the world’s shortest river
  • Chinook Winds Casino Resort
  • Glass float hunting program
  • Tanger Outlet Center & boutiques

Seaside

Oregon’s original seaside resort town. The famous 1.5-mile Promenade boardwalk, historic Turnaround Circle, and easy Portland access make Seaside one of the coast’s most beloved communities.

  • Historic Prom oceanfront boardwalk
  • Seaside Aquarium & Carousel
  • Broadway shopping district
  • Necanicum River kayaking & fishing
Hidden Gem

Depoe Bay

Home to the world’s smallest navigable harbor, Depoe Bay is the Whale Watching Capital of the World. Dramatic cliffs, a spouting horn, and charter boats await year-round.

  • World-famous whale watching charters
  • World’s smallest navigable harbor
  • Dramatic spouting horn
  • Boiler Bay State Scenic Viewpoint

Tillamook

Nestled between the Coast Range and Tillamook Bay, this dairy country treasure is home to the legendary Tillamook Creamery. Rolling green hills and bay views make it a peaceful haven.

  • Tillamook Creamery & Museum
  • Three Capes Scenic Loop
  • Cape Meares Lighthouse
  • Tillamook Bay fishing & crabbing
Iconic

Cannon Beach

Perhaps Oregon’s most iconic coastal town, anchored by the magnificent 235-foot Haystack Rock. World-class galleries, boutique shops, and award-winning restaurants line its charming streets.

  • Haystack Rock (235 ft sea stack)
  • Fine art galleries & studios
  • Coaster Theatre Playhouse
  • Ecola State Park hiking trails

Florence

Gateway to the Oregon Dunes — Sea Lion Caves, Heceta Head Lighthouse, Old Town charm on the Siuslaw River, and access to the largest coastal dunes in North America.

  • Oregon Dunes National Recreation Area
  • Sea Lion Caves
  • Heceta Head Lighthouse
  • Old Town Florence & Siuslaw River

Coos Bay

Oregon’s largest coastal city offers Shore Acres State Park, South Slough Estuary, a thriving arts scene, and exceptional value on coastal real estate.

  • Shore Acres State Park & Gardens
  • South Slough Estuarine Reserve
  • Coos Art Museum
  • Cape Arago State Park
World-Class Golf

Bandon

Home to Bandon Dunes Golf Resort, one of the world’s premier golf destinations. Dramatic sea stacks, a charming Old Town arts community, and cranberry bogs define this southern gem.

  • Bandon Dunes Golf Resort
  • Face Rock State Scenic Viewpoint
  • Old Town Bandon arts district
  • Coquille River Lighthouse
Hidden Gem

Port Orford

America’s most westerly city perches above the Pacific on a dramatic headland. The continent’s only open-dock commercial port, pristine wilderness beaches, and a vibrant arts community.

  • Battle Rock Waterfront Park
  • Port Orford Heads State Park
  • Cape Blanco Lighthouse
  • Humbug Mountain State Park

Gold Beach

Where the wild Rogue River meets the Pacific. Legendary jet boat tours into the Rogue River wilderness, world-class salmon & steelhead fishing, and stunning southern Oregon Coast scenery.

  • Rogue River Jet Boat Tours
  • Rogue River salmon & steelhead fishing
  • Cape Sebastian State Scenic Corridor
  • Samuel H. Boardman Corridor (north end)
Banana Belt

Brookings

Oregon’s warmest, sunniest coastal city. Samuel H. Boardman State Scenic Corridor, Harris Beach sea stacks, Chetco River salmon fishing, and a mild year-round climate unlike anywhere else on the coast.

  • Samuel H. Boardman State Scenic Corridor
  • Harris Beach State Park
  • Chetco River salmon & steelhead
  • Kalmiopsis Wilderness
Explore All 12 Coastal Towns →

The Oregon Coast Lifestyle

Life Is Better at the Ocean’s Edge

Owning a home on the Oregon Coast means more than a great view — it’s a lifestyle unlike anywhere else on earth. Here’s what awaits you.

Outdoor Adventures

  • Whale watching tours
  • Surfing & boogie boarding
  • Kayaking & paddleboarding
  • Tide pool exploration
  • Old-growth forest hiking
  • Crabbing & clamming
  • Kite flying & festivals
  • Beach horseback riding

Dining & Restaurants

  • Fresh Dungeness crab feasts
  • Award-winning clam chowder
  • Waterfront seafood restaurants
  • Local oyster bars
  • Farm-to-table Pacific NW cuisine
  • Fish & chips shacks
  • Gourmet brunch cafes
  • Ice cream & saltwater taffy shops

Shopping & Gifts

  • Coastal art galleries
  • Handmade driftwood crafts
  • Sea glass & shell boutiques
  • Local pottery & blown glass
  • Antique & vintage shops
  • Lighthouse souvenir shops
  • Tanger Outlets (Lincoln City)
  • Farmers markets & co-ops

Bars & Nightlife

  • Pelican Brewing (Pacific City)
  • 7 Devils Brewing (Coos Bay)
  • Beachfront tiki bars
  • Craft cocktail lounges
  • Live music at coastal pubs
  • Ocean-view wine bars
  • Craft distillery tours
  • Casino entertainment (Lincoln City)

Hotels & Lodging

  • Oceanfront resort hotels
  • Cozy bed & breakfasts
  • Beachside vacation rentals
  • Cliffside cottage retreats
  • Pet-friendly beach lodges
  • Luxury spa resorts
  • Historic boutique inns
  • RV parks & campgrounds

Events & Festivals

  • Newport Seafood & Wine Festival
  • Lincoln City Kite Festival
  • Cannon Beach Sandcastle Contest
  • Tillamook County Fair
  • Seaside Beach Volleyball Tournament
  • Stormy Weather Arts Festival
  • Whale Watching Week (Dec & Mar)
  • Holiday Lights at the Coast

Before You Make an Offer

Coastal Homes Finance Differently

The same things that make a coast home special — ocean views, vacation rental potential, rural acreage — are what make it harder to finance. Here is what to settle early.

Second Home or Investment?

How you’ll use the home decides the loan. A full-time residence, a second home, and a rental are financed differently — and a home you plan to rent short-term may not qualify as a second home.

Flood Zones & Insurance

If the home is in a FEMA-designated flood hazard area, most loans require flood insurance. Pull the flood zone and an insurance quote early, because it changes your monthly cost.

Condo & Condotel Eligibility

Some coastal condo projects, especially those run like hotels with a rental pool, don’t meet standard lending guidelines. Confirm the project is eligible before you fall for the unit.

Vacation Rental Rules

Coastal counties and cities regulate short-term rentals, and the rules differ town to town. If rental income is part of the plan, confirm the property can be licensed first.

Wells, Septic & Rural Lots

Homes outside city limits often run on a private well and septic system, which may need inspection or testing before closing. Build that time into your contract.

Pre-Approved and Ready

Good coastal listings don’t wait. A pre-approval tells you what fits your budget and shows sellers you can close — before the right home comes up.

Get In Touch

Let’s Get Your Coast Financing Sorted

Full-time home, weekend getaway, or rental — tell Phuong what you’re looking for on the coast and he’ll walk you through your financing options and the questions to settle before you make an offer.

phuong.ha@mortgagesolutions.net
971-444-9107
Serving the Oregon Coast — Cannon Beach to Brookings
Licensed in Oregon · NMLS #1839449 A real person, not a call center No pressure, no obligation — ever
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