Conforming Fixed-rate Mortgages

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

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.

Conforming Adjustable-rate Mortgage (ARM)

Learn more about Conforming Adjustable-rate Mortgages (ARM) at Cal Coast today.

5/5 Adjustable Rate Mortgages

Affordability and stability— all in one home loan! Learn more about Cal Coast's 5/5 ARMs 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 04/30/2026 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. Cannot be combined with any other offer. Restrictions apply.

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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