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Lower your monthly mortgage payment by refinancing your home loan with Cal Coast.
Put more money in your pocket by leaving your high-rate home loan in the dust and refinancing with Cal Coast. Unemployment rates have increased in recent months and continue to rise - take advantage of our competitive rates, expert refinance lenders and helpful staff to guide you through the process and find the term, type and rate that's best for you.
Cal Coast offers both fixed and adjustable rate options for refinancing your mortgage. For fixed, your interest rate is set when you take out the loan and will not change. With adjustable, your rate may fluctuate up or down. Explore the main differences below:
Looking for stable payments over a longer period of time? A Cal Coast fixed–rate mortgage ensures you have the same payment for the full term of your loan. Have the security knowing what your monthly payment will be for easier budgeting.
Features & Perks:
An ARM keeps your rate fixed for a set amount of time and eventually becomes a variable rate that adjusts when interest rates change over the life of the loan. If you plan on only living in your house for a shorter period of time, an ARM may be a more affordable option for you.
Features & Perks:
Want to discuss which refinance option works best for your unique situation? Our expert mortgage lenders are happy to help (877) 495-1600.
Term Up to 30 Years5 | Term 5-year6, 7-year7 or 10-year8 |
Down Payment As low as 5% Down | Down Payment 30% Down Owner Occupied; 35% Non-owner Occupied |
No Closing Costs Option2 Yes | No Closing Costs Option2 Yes |
Maximum Loan Amount Up to $977,500 | Maximum Loan Amount Up to $977,500 |
Conforming/Super Conforming Fixed-Rate Mortgages | Short-term Mortgages | Jumbo Fixed-rate Mortgages | |
---|---|---|---|
Term | Up to 30 Years5 | 5-year6, 7-year7 or 10-year8 | Up to 30 Years9 |
Down Payment | As low as 5% Down | 30% Down Owner Occupied; 35% Non-owner Occupied | As low as 5% Down |
No Closing Costs Option2 | Yes | Yes | Yes |
Maximum Loan Amount | Up to $977,500 | Up to $977,500 | Up to $2,000,000 |
Term(s) 3/110, 5/111 and 7/112 | Term(s) 5/513 |
Down Payment As low as 5% down | Down Payment As low as 5% down |
No Closing Costs Option2 Yes | No Closing Costs Option2 Yes |
Maximum Loan Amount Up to $977,500 | Maximum Loan Amount Up to $977,500 |
CONFORMING/SUPER CONFORMING ARM | 5/5 ARM | Jumbo ARM | |
---|---|---|---|
Term(s) | 3/110, 5/111 and 7/112 | 5/513 | 3/114, 5/115 and 7/116 |
Down Payment | As low as 5% down | As low as 5% down | As low as 5% down |
No Closing Costs Option2 | Yes | Yes | Yes |
Maximum Loan Amount | Up to $977,500 | Up to $977,500 | Up to $2,000,000 |
There are many financial decisions involved in buying or refinancing a home. Utilize our calculators to help you make the right decision.
APR=Annual Percentage Rate. Rates and terms based on credit history, subject to credit approval, and subject to change without notice. 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. Some restrictions apply.
Have questions? Want more information? We’re more than happy to get in touch. Let’s Talk. Just complete the form.
ABA/Routing No: 322281578
NMLS ID# 407951