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Conforming Fixed-rate Mortgages
Our competitive, fixed-rate mortgage is all about peace of mind and long-term stability.
From Year 1 To 30 With No Rate Increase2
Find a loan that feels like home at Cal Coast. The rate you pay today is the rate you pay tomorrow with our fixed-rate loans. Choose from a variety of terms, down payment and closing cost options that fit your budget.
Cal Coast Home Loans feature:
As little as 5% down1
Competitive interest rates
$0 out of pocket options available
Flexible terms of up to 30 years2
No negative amortization
No balloon payment
No pre-payment penalty
Interest may be tax deductible (consult your tax advisor)
We are here to help you open your home loan or find the right option to fit your needs. Give us a call at (877) 495-1600 or apply online today.
Affordability and stability— all in one home loan! Learn more about Cal Coast's 5/5 ARMs today.
APR=Annual Percentage Rate. Rates and terms as of 12/25/2024 based on credit history, subject to credit approval, and subject to change without notice. Loans over 80% LTV require mortgage insurance. Payment examples do not include property insurance and taxes, and the payment will be higher than disclosed payments. Loans are available for second homes and investment properties in CA at different rates and terms. Membership and credit subject to approval. Serving everyone who lives or works in San Diego or Riverside counties. A one-time $5 membership fee and savings account required. Restrictions apply.
30-year, fixed-rate with an interest rate of 8.625%, APR 9.046% and monthly payments of $5,416.13 inclusive of mortgage insurance if required. This does not include property insurance or taxes and assumes a home purchase for a property valued $700,000, 95% LTV, single family, owner-occupied, credit score 740+.