California Coast Home Loans

Fixed Rate Mortgages

California Coast's competitive fixed rate home loans offer long-term stability and security to help you purchase or refinance your home. And, our easy online application will take the hassle out of your home buying process!

  • Jumbo loans at low conforming rates
  • Flexible terms of up to 30 years*
  • Fixed rates that provide peace of mind. Your loan payments will never increase!
  • As little as 5% down on purchases and up to 95% LTV on rate / term refinance*
  • Competitive interest rates, with Zero Point options
  • No negative amortization, no balloon payment, and no pre-payment penalty
  • Interest may be tax deductible (Consult your tax advisor)

APR = Annual Percentage Rate

*A $250,000 loan on a single-family owner-occupied home up to 75% LTV with a 30 year term and a rate of 4.250% has an APR of 4.289% and a monthly payment of $1,229.85. **Loans 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 4.375% has an APR of 4.763% and a monthly payment of $1,360.71 inclusive of mortgage insurance. Loans are available for second homes and investment properties in CA at different rates and terms. Rates and terms as of 10/04/2013 based on credit history, subject to credit approval, and subject to change without notice. Some restrictions apply.

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Freedom Home Loan

Looking to refinance your mortgage but don't want out-of-pocket costs? California Coast's Freedom Loan can save you thousands with no points, no fees and no closing costs!*

  • Fixed or Adjustable Rate terms of up to 30 years**
  • Fixed rates that provide peace of mind. Your loan payments will never increase!
  • As little as 5% down on purchases and up to 95% LTV on rate / term refinance**
  • Competitive interest rates, with Zero Points
  • No negative amortization, no balloon payment and no pre-payment penalty
  • Interest may be tax deductible (Consult your tax advisor)

APR = Annual Percentage Rate

*Closing 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.

**Payment example: A $250,000 loan on a single-family owner-occupied home up to 75% LTV with a 30 year term and a rate of 4.250% has an APR of 4.289% and a monthly payment of $1,229.85. Loans 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 4.375% has an APR of 4.763% and a monthly payment of $1,360.71 inclusive of mortgage insurance. Loans are available for second homes and investment properties in CA at different rates and terms. Rates and terms as of 10/04/2013 based on credit history, subject to credit approval, and subject to change without notice. Some restrictions apply.

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TermBuster Mortgage

Are you looking to pay off your mortgage in 5, 7 or 10 years* with an affordable rate? Our TermBuster loans feature lower fixed rates than other traditional fixed rate mortgages with no closing costs.**

  • Fixed rate for the full term of the 5, 7 or 10 year* loan
  • Loan amounts from $25,000 up to $417,000
  • Closing costs** are waived if the loan remains open for 36 months
  • Competitive interest rates, with no points, no balloon payment, no negative amortization
  • Streamlined processing
  • In home appraisal not required for loans up to $250,000
  • Interest may be tax deductible (Consult your tax advisor)

APR = Annual Percentage Rate

*Payment example: A $100,000 loan on a single-family, owner-occupied loan up to 70% LTV with a 5 year term at 2.990% APR has a monthly payment of $1,796.42, a 7 year term at 3.250% APR has a monthly payment of $1,332.63 and a 10 year term at 3.500% APR has a monthly payment of $988.86. Loans are available for second homes and investment properties in CA at different rates / terms. Rates and terms as of 08/19/2013 based on credit history, subject to credit approval, and subject to change without notice. Some restrictions apply.

**Closing costs up to $2,500 waived if the loan remains open for 36 months from the date of loan funding. Closing costs 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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