Home Loans

APR=Annual Percentage Rate. Rates and terms as of 03/23/2023 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. Some 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.

1. 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.
2. Introductory Annual Percentage Rate (APR) of 7.00% is offered on single-family owner-occupied homes up to 80% CLTV, for twelve months on new lines only. Thereafter, rate increases to the Prime Rate as published in the Wall Street Journal, or the floor rate of 4.25% APR, whichever is greater, and may adjust a maximum of .5% monthly. The maximum APR (Lifetime Cap) is 12%. The minimum APR (Floor Rate) is 4.25%. Loans on second homes and investment properties in CA are available at different rates / terms.
3. Closing costs up to $936 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.
4. Cal Coast Home Rewards rebates are applied towards closing costs upon the settlement of your home loan. Rebate rewards through the Cal Coast Home Rewards program are fulfilled solely by Home Smart Realty to buyers and sellers who work exclusively with a Home Smart real estate agent. Rebate amounts are contingent on commissions paid to the agent. A home purchase-only rebate is 20% of the agent's commission. For a home sale and purchase, the rebate is 25% for each transaction, provided the transactions occur within six [6] months of each other. This offer is valid only for the purchase or sale of residential property within states that allow rebates. Subject to change without notice.

5. 5-year Termbuster Mortgage estimated monthly payments.
6. 7-year Termbuster Mortgage estimated monthly payments.
7. 10-year Termbuster Mortgage estimated monthly payments.