Conforming Adjustable-rate Mortgage (ARM)

Refinance your home with the affordability of an Adjustable-rate Mortgage (ARM).

Refinance your home with an ARM and lower your monthly payments.

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 ARM3 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 5 or 7 years
  • You plan to sell or refinance your home within the fixed-rate period of the ARM
ARM features:
  • Fully amortized 5/1 ARM3, 5/5 ARM4, and 7/1 ARM5
  • Up to 95% Loan-To-Value (LTV) on rate/term purchases1
  • No point and no closing cost options2
  • 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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5/5 Adjustable Rate Mortgages

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Conforming Fixed-rate Mortgages

Learn more about Conforming Fixed-rate Mortgages at Cal Coast today.

0% Down Adjustable Rate Mortgages

No down payment mortgage solution! With Cal Coast's Zero Down¹ mortgage loan, you may be able to move into your dream home faster than you think.

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. 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. 5/5 ARM with an initial interest rate of 6.375%, APR 7.146% and monthly payments of $3,137.55 inclusive of mortgage insurance. This does not include property insurance and taxes. Payment example based on a 30-year term home purchase for a property valued $500,000, 95% LTV, single family, owner-occupied, credit score 740+. Rates subject to change once every 5 years based on the weekly average of the 5-Year Constant Maturity Treasury (CMT) index rate as made available by the Federal Reserve Board, plus a margin of 2.50%. Maximum adjustment cap 2% every 5 years and 5% over the life of the loan.
  2. 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. 5/1 ARM Conforming
  2. 5/5 ARM Conforming
  3. 7/1 ARM Conforming

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