Buy a Home

Get the perfect mortgage for your home purchase. Choose from fixed- or adjustable-rate mortgages with various terms, down payments and closing cost options.

Start Your Home Ownership Journey

Cal Coast has affordable home loan options designed to fit your needs- whether you're looking for your first home or need to upgrade to a larger home for your growing family.

Ready to get pre-approved before you make an offer?

Contact a Mortgage Loan Officer by phone at 877-495-1600 or send an email to for a personal consultation.

Fixed-rate Mortgages

Our fixed-rate mortgages can give you peace of mind knowing that your monthly payments stay the same for the full term of your home loan. Choose from our various terms, down payment and closing cost options.

Fixed-rate Mortgage Options:  
  • $0 out of pocket options
  • Jumbo home loans available
  • Interest may be tax deductible2

Adjustable-rate Mortgage (ARM)

If you want to pay a lower fixed-rate payment at the beginning of your home loan, an adjustable-rate mortgage may be the right loan for you. An ARM keeps your mortgage loan rate fixed for a set term and then it becomes a variable- rate loan that adjusts when interest rates change over the life of the loan. Choose from our various adjustable-rate terms, down payment and closing cost options.

Adjustable-rate Mortgage Options:
  • $0 out of pocket options
  • Up to 95% Loan-To-Value (LTV) on rate/term purchases1
  • Interest may be tax deductible2
  • Down payment as low as 5%3

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.

Cal Coast Home Loan Center

Home Buying and Selling Services

  • Our Cal Coast Home Rewards program gives you access to the most up to date home listings in Southern California
  • Get personalized, timely alerts when new home listings become available
  • Guidance from a dedicated home buying expert
  • Sell your home for a flat 1.5% listing fee or Buy a home and earn a 20% commission rebate4

Learn More

Mortgage Calculators

There are many financial decisions involved in buying or refinancing a home. Utilize our calculators to help you make the right decision. 



Home Loan Tips, Tools & More

APR=Annual Percentage Rate. Rates and terms as of 03/18/2024 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. 5% Down Home Loan rates and terms as of 3/22/2019. Payment examples are based on a purchase price of $300,000 with 5% down (95% LTV) and a $285,000 loan on a single-family, owner-occupied home with a 30-year term. 3/1 ARM with a 3.250% rate has an APR of 5.278% and has monthly payments of $1,380.47. 5/1 ARM with a rate of 3.500% has an APR of 4.993% and has monthly payments of $1,384.28. 7/1 ARM with a rate of 3.875% has an APR of 4.959% and has monthly payments of $1,444.68 inclusive of mortgage insurance.
  2. Consult your tax advisor.
  3. 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.
  4. Excludes commission owed to buyer's agent. Rebate is awarded by Home Rewards Group, Inc. to buyers and sellers who select and use a real estate agent in the Home Rewards network. 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.

Contact Us

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