Fixed-Rate Mortgage Purchase

Our competitive, fixed-rate mortgage is all about peace of mind and long-term stability — the rate you pay today is the rate you pay tomorrow. And it couldn’t be easier to apply. Our online application takes just minutes.

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Fixed-Rate Mortgage Purchase

Fixed-rate Mortgage
Fixed-Rate Mortgages
3% Down Mortgages
Jumbo Fixed-Rate Mortgages

Jumbo Fixed-Rate Mortgages

Got big dreams? We've got Jumbo Mortgages to match!

Does your dream home require a jumbo loan? Cal Coast can help get you into that dream home with competitive rates on loans up to $2,000,000.

Budget-friendly California home loans.
  • Flexible terms of up to 30 years1
  • Competitive interest rates
  • As little as 15% down on purchases1
  • No closing cost options available2
  • Interest may be tax deductible (consult your tax advisor)
Even more to bring a smile to your face.
  • No points options
  • No negative amortization
  • No balloon payment
  • No pre-payment penalty

Apply Now View Home Loan Rates


APR = Annual Percentage Rate.

1A $850,000 loan on a single-family owner-occupied home up to 85% LTV with a 30 year term and a rate of 4.875% has an APR of 4.998% and a monthly payment of $4,632.85 inclusive of mortgage insurance. Loans over 80% LTV require mortgage insurance. This payment example does not include property insurance and taxes, and the payment will be higher than this disclosed payment. Loans are available for second homes and investment properties in CA at different rates and terms. Rates and terms as of 10/25/2018 based on credit history, subject to credit approval, and subject to change without notice. Some restrictions apply.

2Closing costs paid by the lender include title search, escrow, credit report, tax service, and similar non-recurring fees. You are responsible for property taxes, insurance, homeowner association dues, and for purchases, down payment, transfer taxes, and owner's title policy.

Fixed-Rate Mortgages

From year 1 to 30 with no rate increase.
30-year Fixed-rate Mortgage

Looking for a modest home or something a bit grander? It’s home sweeter home with a mortgage rate that stays the same for 30 years. We offer low jumbo loan rates, so they're easy on your budget. Who wouldn’t be happy with that?

Budget-friendly California home loans.
  • Flexible terms of up to 30 years1
  • Competitive interest rates
  • As little as 5% down on purchases2
  • No closing cost options available3
  • Interest may be tax deductible (consult your tax advisor)
Even more to bring a smile to your face.
  • No points options
  • No negative amortization
  • No balloon payment
  • No pre-payment penalty

Apply Now View Home Loan Rates


APR = Annual Percentage Rate.

1A $250,000 fixed rate home mortgage loan on a single-family owner-occupied home up to 60% LTV with a 30 year term and a rate of 3.875% has an APR of 3.912% and a monthly payment of $1,175.59. This payment example does not include property insurance and taxes, and the payment will be higher than this disclosed payment. Loans are available for second homes and investment properties in CA at different rates and terms. Rates and terms as of 9/27/2017 based on credit history, subject to credit approval, and subject to change without notice. Some restrictions apply.

2A $250,000 loan on a single-family owner-occupied home up to 95% LTV with a 30 year term and a rate of 4.000% has an APR of 4.329% and a monthly payment of $1,289.37 inclusive of mortgage insurance. Loans over 80% LTV require mortgage insurance.This payment example does not include property insurance and taxes, and the payment will be higher than this disclosed payment. Loans are available for second homes and investment properties in CA at different rates and terms. Rates and terms as of 9/28/2017 based on credit history, subject to credit approval, and subject to change without notice. Some restrictions apply.

3Closing costs paid by the lender include title search, escrow, credit report, tax service, and similar non-recurring fees. You are responsible for property taxes, insurance, homeowner association dues, and for purchases, down payment, transfer taxes, and owner's title policy.

 

Home Possible Advantage 3% Down

Looking to purchase your first home. It’s home sweeter home with a mortgage rate that stays the same for 30 years1.Who wouldn’t be happy with that?

Competitive with FHA
  • No Up Front Mortgage Insurance Premium (UFMMIP), compared to FHA 1.75%
  • Monthly Mortgage Insurance Premium up to 50% lower than FHA
  • 3% Down Payment1 vs. FHA at 3.5% Down
Budget-friendly California home loans.
  • Competitive interest rates
  • No closing cost options available2
  • Interest may be tax deductible (consult your tax advisor)
Even more to bring a smile to your face.
  • No points options
  • No negative amortization
  • No balloon payment
  • No pre-payment penalty

Apply Now View Home Loan Rates


APR = Annual Percentage Rate.

1A $250,000 fixed rate home mortgage loan on a single-family owner-occupied home up to 97% LTV with a 30 year term and a rate of 5.500% has an APR of 6.090% and a monthly payment of $1,563.22 inclusive of mortgage insurance. Loans over 80% LTV require mortgage insurance. This payment example does not include property insurance and taxes, and the payment will be higher than this disclosed payment. Rates and terms as of 10/19/2018 based on credit history, subject to credit approval, and subject to change without notice. Some restrictions apply.

2Closing costs paid by the lender include title search, escrow, credit report, tax service, and similar non-recurring fees. You are responsible for property taxes, insurance, homeowner association dues, and for purchases, down payment, transfer taxes, and owner's title policy.

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A great place to do business with and everyone smiles when you walk in. Great rates on term buster loans. Check them out and you'll find out what great service is all about.

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Our members are our most valuable asset. That’s why everything we do — from the accounts, loans and rates we offer, to the personalized caring attention we provide — is designed to help you to achieve your goals.

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