Adjustable-Rate Mortgage Refinance

Tired of paying a high rate? Refinance to an Adjustable-Rate Mortgage (ARM) that starts off with a lower rate and puts a big smile on your face — and your budget’s too.

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Apply Now
Tell me more! Contact Me

Adjustable-Rate Mortgage Refinance

Adjustable-Rate Mortgage Member Reviews
Conforming ARM
5/5 ARM
Jumbo ARM

Jumbo Adjustable-Rate Mortgage (ARM)1

Jumbo mortgages to match your big dreams.

Looking to refinance a home with a large mortgage? Consider a Jumbo Adjustable-Rate Mortgage and enjoy competitive rates on loans up to $2,000,000.

Great Features & Benefits

Competitive interest rates on loans up to $2,000,000

Fully amortized 3/1 ARM, 5/1 ARM and 7/1 ARM available1

Interest may be tax deductible (please consult your tax advisor)

Apply Today!

We are available to walk you step-by-step through the loan process and determine the loan that's best for you. Give us a call at (877) 495-1600, or begin the online loan application today.

Apply Now View Home Loan Rates


APR=Annual Percentage Rate. Rates and terms as of 3/22/2019 based on credit history, subject to credit approval, and subject to change without notice. Some restrictions apply. Loans over 80% LTV require mortgage insurance.

1Payment examples are based on a purchase price of $1,000,000 with 15% down (85% LTV) and a $850,000 loan on a single-family, owner-occupied home with a 30-year term. 3/1 ARM with a rate of 3.625% has an APR of 5.087% and has monthly payments of $4,060.61. 5/1 ARM with a rate of 3.875% has an APR of 4.924% and has monthly payments of $4,131.60. 7/1 ARM with a rate of 4.250% has an APR of 4.938% and has monthly payments of $4,316.07. This payment example does not include property insurance and taxes, and the payment will be higher than this disclosed payment.

5/5 Adjustable-Rate Mortgage (ARM)

Affordability and stability—all in one home loan!

Our 5/5 ARM offers low monthly payments for five years. Interest rates adjust at the five-year mark, but don't worry—Cal Coast has your back! We cap your interest rate adjustments to keep your monthly payments predictable and within reach. With a 5/5 ARM, enjoy peace of mind—and your dream home!

Why Get a 5/5 ARM:
  • Rate adjusts only once every 5 years2
  • Low interest rate with affordable initial payments
  • Stable monthly payments
  • No points and no closing cost options3
  • Interest may be tax deductible (please consult your tax advisor)
Apply today!

We are available to walk you step-by-step through the loan process and determine the loan that's best for you. Give us a call at (877) 495-1600, or begin the online application today.

Apply Now View Home Loan Rates


1APR = Annual Percentage Rate.  Rates and terms as of 04/01/2019 based on credit history, subject to credit approval, and subject to change without notice. Some restrictions apply. Loans over 80% Loan-To-Value (LTV) require mortgage insurance.

2A $250,000 loan on a single-family owner-occupied home up to 60% LTV on a 5/5 ARM and a rate of 3.25% has an APR of 4.561% and has monthly payments of $1,088.02.  This payment example does not include property insurance and taxes, and the payments will be higher than this disclosed payment. Rates are subject to increase or decrease once every 5 years based on the weekly average of the 5-Year Constant Maturity Treasury (CMT) index rate as made available by the Federal Reserve Board, plus a margin of 2.50%. Maximum cap of 2% every 5 years and 5% over the life of the loan.

3Closing costs paid by the lender available at different rates and terms 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 purchaes, down payment, transfer taxes and owner's title policy.

Conforming Adjustable-Rate Mortgage (ARM)

Send your high-rate loan packing!

Don't settle for a rate that gives you a run for your money. Our Adjustable-Rate Mortgage (ARM) can start you off with a lower rate and save you big money on your mortgage, right away. And the interest may be tax deductible (consult your tax advisor).

An ARM is the way to go if you plan on relocating during the fixed-rate period of 3, 5 or 7 years. Or if you expect your income to increase and want lower fixed rates and monthly payments for several years.

How does an ARM work? It’s this simple.

Your rate is fixed for a set term and then it becomes a variable rate loan and adjusts when interest rates change over the life of the loan. For example, a 5/1 ARM has a fixed loan payment for the first five years. Beginning on year six, the rate may adjust and may continue to adjust each year thereafter.

Is an ARM right for you?

An Adjustable-Rate Mortgage may be the right option for you if:

  • You want to save interest with lower initial rates
  • You intend to relocate during the fixed-rate period of 3, 5, or 7 years
  • You plan to sell or refinance your home within the fixed-rate period of the ARM
Great Features & Benefits
  • Fully amortized 3/1 ARM, 5/1 ARM, and 7/1 ARM1
  • Up to 95% Loan-To-Value (LTV) on rate/term refinance1
  • No points and no closing cost options2
  • Interest may be tax deductible (please consult your tax advisor)
Apply Today!

We are available to walk you step-by-step through the loan process and determine the loan that's best for you. Give us a call at (877) 495-1600, or begin the online loan application today.

Apply Now View  Home Loan Rates


APR=Annual Percentage Rate. Rates and terms as of 3/22/2019 based on credit history, subject to credit approval, and subject to change without notice. Some restrictions apply. Loans over 80% LTV require mortgage insurance.

1Payment examples are based on a purchase price of $300,000 with 5% down (95% LTV) and a $285,000 loan on a single-family, owner-occupied home with a 30-year term. 3/1 ARM with a 3.250% rate has an APR of 5.278% and has monthly payments of $1,380.47. 5/1 ARM with a rate of 3.500% has an APR of 4.993% and has monthly payments of $1,384.28. 7/1 ARM with a rate of 3.875% has an APR of 4.959% and has monthly payments of $1,444.68 inclusive of mortgage insurance. This payment example does not include property insurance and taxes, and the payment will be higher than this disclosed payment.

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 purchaes, down payment, transfer taxes and owner's title policy.

Tell me more! Contact Me

Freedom Home Loan—No Closing Cost ARM

Take a load off! Leave high rates and closing costs behind.

Smile all the way to the bank — the days of paying high rates and closing costs are long over, thanks to our Freedom Home Loan.

Freedom from high interest and additional costs.
  • 15-year1 or 30-year2 fixed-rate terms
  • No points and no closing costs3
  • As little as 5% down on purchases4
  • Fully amortized 3/1 ARM, 5/1 ARM and 7/1 ARMs available
  • Competitive interest rates and low initial payments
  • No negative amortization, no balloon payment and no pre-payment penalty
  • Interest may be tax deductible (consult your tax advisor)
Apply today!

We are available to walk you step-by-step through the loan process and determine the loan that's best for you. Give us a call at (877) 495-1600, or begin the loan application today.

Apply Now View Home Loan Rates


APR=Annual Percentage Rate.

Loans are available for second homes and investment properties in CA at different rates and terms. Rates and terms as of 10/16/17 based on credit history, subject to credit approval, and subject to change without notice. Some restrictions apply.

1Payment example: a $250,000 loan on a single-family, owner-occupied home up to 75% LTV with a 15-year term and a rate of 3.250%has an APR of 3.250% and a monthly payment of $1,756.67. A $250,000 loan on a single-family, owner-occupied home up to 75% LTV with a 30-year term and a rate of 4.000% has an APR of 4.000% and a monthly payment of $1,193.54. 

2Loans over 80% LTV require mortgage insurance. A $250,000 loan on a single-family, owner-occupied home up to 95% LTV with a 30-year term and a rate of 4.125% has an APR of 4.412% and a monthly payment of $1,307.45 inclusive of mortgage insurance. This payment example does not include property insurance and taxes, and the payment will be higher than this disclosed payment.

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

4Loans over 80% LTV require mortgage insurance.      

Tell me more! Contact Me
Useful Tools & Services

We care about making refinancing easier.

Educational Workshops

Calculators

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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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