Buy a Home

Get the perfect mortgage for your home purchase. Choose from fixed- or adjustable-rate mortgages with various terms, down payments and closing cost options.

Start Your Home-Ownership Journey

If you are planning on buying a home, whether it's your first home or you are upgrading to a larger home for your growing family, Cal Coast has the right loan for you. Choose from our competitive rates, fixed- or adjustable-rate loans and low down payment options. 

Fixed-rate Mortgages

Our fixed-rate mortgages can give you peace of mind knowing that your monthly payments stay the same for the full term of your home loan. Choose from our various terms, down payment and closing cost options.

Fixed-rate Mortgage Options:  

Adjustable-rate Mortgage (ARM)

If you want to pay a lower fixed-rate payment at the beginning of your home loan, an adjustable-rate mortgage may be the right loan for you. An ARM keeps your mortgage loan rate fixed for a set term and then it becomes a variable- rate loan that adjusts when interest rates change over the life of the loan. Choose from our various adjustable-rate terms, down payment and closing cost options.

Adjustable-rate Mortgage options:
  • No point and no closing cost available1
  • Up to 95% Loan-To-Value (LTV) on rate/term purchases3
  • Fully amortized 3/1 ARM7, 5/1 ARM8, 7/1 ARM9 , or 5/5 ARM10
  • Jumbo ARM available11
  • Interest may be tax deductible (please 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.

Comparing Fixed-rate Mortgages

Term Up to 30 years5 Term Up to 30 years2
Down Payment as low as 5% Down Down Payment 3% Down
No Closing Costs Options1  Yes No Closing Costs Options1  Yes
Loan Amounts Up to $510,400 Loan Amounts Up to $510,400
View Rates

Comparing Fixed-rate Mortgages

Conforming Fixed-rate Mortgages 3% Down Fixed-rate Mortgages Jumbo Fixed-rate Mortgages
Term Up to 30 years5 Up to 30 years2 Up to 30 years6
Down Payment as low as 5% Down 3% Down as low as 30% Down
No Closing Costs Options1  Yes Yes Yes
Loan Amounts Up to $510,400 Up to $510,400 Up to $850,000

Comparing Adjustable-rate Mortgages

Term(s) 3/17, 5/18 and 7/19 Term(s) 5/510
Down Payment As low as 5% down Down Payment As low as 5% down
No Closing Costs Option1 Yes No Closing Costs Option1 Yes
Loan Amounts Up to $510,400 Loan Amounts Up to $510,400
View Rates

Comparing Adjustable-rate Mortgages

Conforming ARM 5/5 ARM Jumbo ARM
Term(s) 3/17, 5/18 and 7/19 5/510 3/111, 5/112 and 7/113
Down Payment As low as 5% down As low as 5% down As low as 30% down
No Closing Costs Option1 Yes Yes Yes
Loan Amounts Up to $510,400 Up to $510,400 Up to $850,000

Cal Coast Home Loan Center

Home Buying and Selling Services

  • Our Cal Coast Home Rewards program gives you access to the most up to date home listings in Southern California
  • Get personalized, timely alerts when new home listings become available
  • Guidance from a dedicated home buying expert
  • Earn up to a 25% rebate when you buy or sell a home with the help of our Cal Coast Home Rewards agent3

Learn More

Mortgage Calculators

There are many financial decisions involved in buying or refinancing a home. Utilize our calculators to help you make the right decision. 

 

 

Home Loan Tips, Tools & More

APR=Annual Percentage Rate. Rates and terms as of 09/18/2020 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. 3% Down Home Loan rates and terms as of 3/22/2019. A $250,000 fixed rate home mortgage loan on a single-family owner-occupied home up to 97% LTV with a 30 year term and a rate of 4.625% has an APR of 5.076% and a monthly payment of $1,393.68 inclusive of mortgage insurance. This payment example does not include property insurance and taxes, and the payment will be higher than this disclosed payment.
  3. 5% Down Home Loan rates and terms as of 3/22/2019. Payment 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. 
  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-month Fixed Rate Mortgage estimated monthly payments.
  2. 30-year Jumbo Fixed Rate Mortgage estimated monthly payments.
  3. 3/1 ARM estimated monthly payments.
  4. 5/1 ARM estimated monthly payments.
  5. 7/1 ARM estimated monthly payments.
  6. 5/5 ARM estimated monthly payments.
  7. 3/1 Jumbo ARM estimated monthly payments.
  8. 5/1 Jumbo ARM estimated monthly payments.
  9. 7/1 Jumbo ARM estimated monthly payments.

Contact Us

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