5/5 Adjustable-Rate Mortgage (ARM)

Affordability and stability—all in one home loan!

Low Monthly Payments And Stability All In One Loan

Our 5/5 ARM offers low monthly payments for five years with down payments as low as 5%. Interest rates will adjust at the five-year mark, but don’t worry, Cal Coast has your back. We cap your interest rate adjustments to keep your monthly payments predictable and within reach, as your rate adjusts only once every five years.

5/5 Adjustable-rate Mortgages features:
  • Rate adjusts only once every 5 years
  • Low interest rate with affordable initial payments
  • No points and no closing cost options1
  • Lender-paid mortgage insurance option available
  • 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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Comparing 5/5 ARMs

5/5 ARM2 5/5 ARM Advantage3
Terms 5/5 ARM 5/5 ARM
Mortgage Insurance Standard monthly premium Lender-paid Mortgage Insurance
Loan Amounts & Down Payments 5% Down to $650,000; 20% Down to $850,000; 25% Down to $1,000,000; 35% Down to $1,500,000 5% Down to $650,000; 20% Down to $850,000; 25% Down to $1,000,000; 35% Down to $1,500,000
Loan Transaction Type Purchase or Refinance Primary, Single Family Residence Purchase or Refinance Primary, Single Family Residence
Credit for Closing Costs Lender credit not available; Seller credit allowed $2,500 lender credit1; Seller credit allowed

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APR=Annual Percentage Rate. Rates and terms as of 12/06/2023 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. 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 available at different rates and terms 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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