Conforming Adjustable-rate Mortgage (ARM)

Make a home your own with the affordability of an Adjustable-rate Mortgage (ARM).

An ARM Can Help You Afford Your Dream Home

A Cal Coast Adjustable Rate Mortgage offers lower initial monthly payments, perfect if you're planning on selling or refinancing your home in the future.

How does an ARM work? 

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
ARM features:
  • No point and no closing cost options1
  • Fully amortized 3/1 ARM2, 5/1 ARM3, and 7/1 ARM4
  • Up to 95% Loan-To-Value (LTV) on rate/term purchases
  • 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.

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APR=Annual Percentage Rate. Rates and terms as of 07/19/2024 based on credit history, subject to credit approval, and subject to change without notice. Payment examples do not include property insurance and taxes, and the payment will be higher than disclosed payments. 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.

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