Conforming Fixed-rate Mortgages

Our competitive, fixed-rate mortgage is all about peace of mind and long-term stability.

From Year 1 To 30 With No Rate Increase

Find a loan that feels like home at Cal Coast. The rate you pay today is the rate you pay tomorrow with our fixed-rate loans. Choose from a variety of terms, down payment and closing cost options that fit your budget. 

Cal Coast Home Loans feature:
  • Flexible terms of up to 30 years2
  • As little as 5% down 
  • Competitive interest rates
  • No points and no closing cost options available1
  • No negative amortization
  • No balloon payment
  • No pre-payment penalty
  • Interest may be tax deductible (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.

View Rates

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Conforming Adjustable-rate Mortgage (ARM)

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5/5 Adjustable-Rate Mortgage (ARM)

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APR=Annual Percentage Rate. Rates and terms as of 09/19/2020 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. 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.
  1. 30-year Fixed-rate Mortgage estimated monthly payments.

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