Home Loans

Whether you're a first-time home buyer or you're looking to refinance an existing mortgage, Cal Coast has a solution for you. Our expert real estate and lending team members will walk you through the process from start to finish, always keeping your best interest top of mind. 

Competitive Rates and Flexible Options

Ready to take the leap into home ownership? Are you looking to lower your monthly payment or shorten your loan term? We're ready to help you every step of the way.

Home Ownership

Buy a New Home

Buying a home should be exciting and rewarding. Cal Coast has a home buying service and rewards program exclusive and free to our members that finance through us. 


Refinance & Save 

Refinance Your Existing Home Loan

Paying too much on your monthly mortgage? Consider refinancing with Cal Coast to lower your payment and save money in the long run. There's no better time to explore the savings you can get with a lower rate and better term. 

Current Rates for Popular Loans

30-year Fixed5

APR as low as
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  • As low as 5% depending on loan amount1
  • Stable monthly payment
  • Conforming and Jumbo options

7-year Fixed6

APR as low as
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  • Refinance only
  • Stable monthly payment
  • May be eligible for no in-home appraisal for loans up to $400,000

5/5 ARM7

APR as low as
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  • Rate adjusts only once every 5 years
  • Down payment as low as 5%2
  • Lender-paid mortgage insurance available


APR As low as
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  • Convenient access to your home's equity
  • Loan advances can be taken as needed
  • Interest only charged on the funds in use3

What do you want to do?


Buy a New Home

The road to home ownership starts here with a Fixed or Adjustable-rate home loan.

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Refinance a Home

Leave your high-rate home loan in the dust and refinance with a Fixed or Adjustable-rate home loan.

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Use Your Home's Equity

Make your home pay off for you and get a home equity line of credit or home equity loan.

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Shop or Sell Your Home

You’ll have access to HUGE discounts when you buy or sell your home, including a 20% commission rebate.4

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APR=Annual Percentage Rate. Rates and terms as of 04/13/2024 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. 30-year, fixed-rate with an interest rate of 8.250%, APR 8.648% and monthly payments of $9,730.97 inclusive of mortgage insurance. This does not include property insurance or taxes and assumes property value $1,300,000, 95% LTV, single family, owner-occupied, credit score 740+.
  2. 5/5 ARM Advantage with an initial interest rate of 7.000%, APR 7.153% and monthly payments of $3,160.19, there is no mortgage insurance for this loan. This does not include property insurance and taxes. Payment example based on a 30-year term, property value $500,000, loan amount $475,000, single family, owner-occupied. 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.
  3. 5/5 ARM
  4. Rebate is awarded by Home Rewards Group, Inc. to buyers who select and use a real estate agent in the Home Rewards network. Commission rebate is 20% for purchase only of a residential property. Payment is credited to your benefit at the close of transaction. Using California Coast Credit Union for a mortgage loan is not a requirement to earn the rebate. Purchase price must be greater than $150,000. All rebates are subject to limitations, lender guidelines, state laws and other requirements. Certain properties may not be eligible for rebates. Please consult a qualified tax professional for advice on tax implications from receiving a rebate. Home Rewards Group, Inc. is not affiliated with California Coast Credit Union. Subject to change without notice.
  1. 30-Year Jumbo fixed-rate estimated monthly payments.
  2. 7-Year TermBuster estimated monthly payments.
  3. 5/5 Conforming ARM
  4. Home Equity Line of Credit

Contact Us

Have questions? Want more information? We’re more than happy to get in touch. Let’s Talk. Just complete the form.