Home Loans

Whether you're a first-time home buyer or you're looking to refinance an existing mortgage, Cal Coast has a solution for you. Our expert real estate and lending team members will walk you through the process from start to finish, always keeping your best interest top of mind. 

Now is the Time to Buy

There is no better time to buy a house or refinance an existing mortgage and Cal Coast is here to offer competitive rates and flexible options to fit your budget. This is the perfect moment to take the leap into home ownership and we're passionate about helping you every step of the way. 

Home Ownership

Buy a New Home

Buying a home should be exciting and rewarding. Cal Coast has a home buying service and rewards program exclusive and free to our members that finance through us. 

 

Refinance & Save 

Refinance Your Existing Home Loan

Paying too much on your monthly mortgage? Consider refinancing with Cal Coast to lower your payment and save money in the long run. There's no better time to explore the savings you can get with a lower rate and better term. 

Government-backed Loans

VA & FHA Loans

We offer government-backed loan programs to help first time home owners and our local military veterans and families achieve home ownership easily and securely. These programs often come with lower or no down payments and the peace of mind that you're making a sound investment. 

Current Rates

30-year Fixed5

APR as low as
3.096%
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  • No closing cost options available1
  • Interest may be tax deductible (consult your tax advisor)

7-year Fixed7

APR as low as
2.648%
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  • Choose from a fully amortized 5-year6, 7-year7 or 10-year8 loan from $25,000 up to $510,400
  • May be eligible for no in-home appraisal for loans up to $250,000

5/5 ARM9

APR as low as
2.926%
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  • Rate adjusts only once every 5 years3
  • No points and no closing cost options1
  • Low interest rate with affordable initial payments
  • Stable monthly payments

HELOC10

APR As low as
3.980%
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  • Introductory APR as low as 3.98%on a home equity line of credit
  • No lender fees, no annual fee, and no closing costs3
  • Easy access to your equity 


What do you want to do?

 

Buy a New Home


The road to home ownership starts here with a Fixed or Adjustable-rate home loan.

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Refinance a Home


Leave your high-rate home loan in the dust and refinance with a Fixed or Adjustable-rate home loan.

Learn More

Use Your Home's Equity


Make your home pay off for you and get a home equity line of credit or home equity loan.

Learn More

Shop or Sell Your Home


Earn up to 25% cash back when you buy or sell your home with our Home Rewards program.4

Learn More



APR=Annual Percentage Rate. Rates and terms as of 09/20/2020 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 3.98% 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.
  1. 30-year Conforming Fixed Mortgage estimated monthly payments.
  2. 5-year Termbuster Mortgage estimated monthly payments.
  3. 7-year Termbuster Mortgage estimated monthly payments.
  4. 10-year Termbuster Mortgage estimated monthly payments.
  5. 5/5 ARM estimated monthly payments.
  6. HELOC = Home Equity Line of Credit. Equity Advantage Line of Credit terms and conditions. 

Contact Us

Have questions? Want more information? We’re more than happy to get in touch. Let’s Talk. Just complete the form.