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.
You May Also Like These Home Loan Options
0% Down Adjustable Rate Mortgages
No down payment mortgage solution! With Cal Coast's Zero Down¹ mortgage loan, you may be able to move into your dream home faster than you think.
Conforming Adjustable-rate Mortgage (ARM)
Learn more about Conforming Adjustable-rate Mortgages (ARM) at Cal Coast today.
5/5 Adjustable Rate Mortgages
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 07/08/2025 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+.
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Serving anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties.