Beware of scams and phone number spoofing. California Coast will never contact you to ask for personal information or a passcode over the phone. Visit our Security Center to learn more.
Home Loan Rates
Conforming Fixed-Rate Mortgages
| Term | Rate | APR | Points |
|---|---|---|---|
| 5-year Fixed - TermBuster | 6.000% | 6.001% | 0.000% |
| 7-year Fixed - Termbuster | 6.125% | 6.126% | 0.000% |
| 10-year Fixed - TermBuster | 6.250% | 6.251% | 0.000% |
| 15-year Fixed | 6.250% | 6.416% | 0.250% |
| 20-year Fixed | 6.750% | 6.886% | 0.250% |
| 30-year Fixed | 7.000% | 7.093% | 0.125% |
Conforming Adjustable-Rate Mortgages
| Term | Rate | APR | Points |
|---|---|---|---|
| 5/5 ARM | 6.500% | 6.800% | 0.000% |
| 5/1 ARM | 6.500% | 6.801% | 0.000% |
| 7/1 ARM | 6.875% | 6.955% | 0.000% |
Jumbo Adjustable-Rate Mortgages
| Term | Rate | APR | Points |
|---|---|---|---|
| 5/5 Jumbo ARM | 6.500% | 6.778% | 0.000% |
| 5/1 Jumbo ARM | 6.500% | 6.779% | 0.000% |
| 7/1 Jumbo ARM | 6.875% | 6.932% | 0.000% |
Home Equity Line of Credit
| Term | Rate | APR | Points |
|---|---|---|---|
| Equity Advantage Line of Credit | 7.500% | 7.500% | 0.000% |
Home Equity Loans
| Term | Rate | APR | Points |
|---|---|---|---|
| 10-year Home Equity Loan | 7.000% | 7.000% | 0.000% |
| 15-year Home Equity Loan | 7.500% | 7.500% | 0.000% |
| 20-year Home Equity Loan | 7.875% | 7.875% | 0.000% |
APR=Annual Percentage Rate. Rates and terms as of 01/17/2025 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.
- 5-year Conforming Fixed - Termbuster Mortgage estimated monthly payments.
- 7-year Conforming Fixed - Termbuster Mortgage estimated monthly payments.
- 10-year Conforming Fixed - Termbuster Mortgage estimated monthly payments.
- 20-year Conforming Fixed Mortgage estimated monthly payments.
- 30-year Conforming Fixed Mortgage estimated monthly payments.
- 20-year Jumbo Fixed Mortgage estimated monthly payments.
- 30-year Jumbo Fixed Mortgage estimated monthly payments.
- 5/5 Conforming ARM estimated monthly payments.
- 5/1 Conforming ARM estimated monthly payments.
- 7/1 Conforming ARM estimated monthly payments.
- 5/5 Jumbo ARM estimated monthly payments.
- 5/1 Jumbo ARM estimated monthly payments.
- 7/1 Jumbo ARM estimated monthly payments.
Don't be a stranger, we're your neighbor
Have a question about your account, applying for a loan or perhaps you're ready to talk refinancing? Whatever your question or need, our Member Service Center is always happily available to walk you through every step of the process with your best interest at heart.
Not a Cal Coast member? Join now or learn more!
