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Adjustable Rate Mortgages (ARMs)
Home Loan Payment Relief – 30 Year Fixed
Fixed Rate Mortgages
Interest-Only Option

Interest-Only Option

Get into your dream home more affordably with interest-only payments. Our newest mortgage loan feature, interest-only payments, can get you into the home of your dreams*. Paying only the interest on your loan can get you started with lower payments. These payments are for a set period of time, but may be just the advantage you need to get into a home of your own. The interest-only feature is available on the following mortgage loan programs:

• Adjustable rate mortgages with initial fixed terms of 3, 5, 7, or 10 years. Interest-only for the initial fixed-term.
• Fixed rate mortgages with terms of 30 years. Interest-only for ten years.
• Loans available to $1,000,000.

Calculate loan payments with our Mortgage Wizard .

To apply online , simply click the "Apply" button and answer a few questions. For more information, please call our Member Service Center at (877) 495-1600 or e-mail us and we'll get your answers to you fast.

*Subject to credit approval.  Some restrictions apply.

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Fixed Rate Mortgages - 1st and 2nd Trust Deeds

Planning to stay in your home for the long-haul? Our fixed rate mortgages offer long-term stability and security. Choose our 1st Trust Deeds to purchase or refinance your home, condo, townhome or vacation properties*. Our 2nd Trust Deeds allow you to borrow up to 100% of your home's equity*. See our Equity 100 loans.

• Select a 15, 20 or 30-year term.
• Choose a fixed rate to provide peace of mind. Your payments will never change!  
• Lower rates available if paid off in 5 or 7 years - (30 due in 5 yrs, 30 due in 7yrs).
• First mortgage loans available to $1,000,000*.
• Competitive interest rates.
• No "Negative Amortization".
• Interest may be tax deductible; consult your tax advisor.

Calculate loan payments with our Mortgage Wizard.

Apply online for your loan today, or phone our Member Service Center at (877) 495-1600. Or if you prefer, visit your nearest California Coast branch location to apply in person or E-mail us and we'll call you back.

*Subject to credit approval.  Some restrictions apply.

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Designed for median income homebuyers, the HLPR 30-Year Fixed Rate loan features a 3-year 1% discount below the national average. The HLPR mortgage may benefit qualifying borrowers in several ways: through lower monthly payments; by qualifying for a large mortgage; or by lowering the income level needed for a given mortgage. The loan is available for the purchase of owner-occupied homes to borrowers with household income that does not exceed the area median income of $97,160 for San Diego County and $82,880 for Riverside County.

• Interest rate is 1% lower than market rates for the first 3 years.
• Minimum down payment of 5% may come from personal funds, gifts or grants.
• Mortgage insurance is required at a discount rate from the traditional 30 year fixed loan.
• Minimum FICO score of 680 on loans over 90% LTV (maximum LTV 95%).
• Minimum FICO score of 620 on loans equal to or less that 90% LTV.
• Condos are limited to a maximum of 90% LTV.
• Debt-to-income ratio is generally limited to 42%.

Calculate loan payments with our Mortgage Wizard.

Apply online for your loan today, or phone our Member Service Center at (877) 495-1600. Or if you prefer, visit your nearest California Coast branch location to apply in person or E-mail us and we'll call you back.

*Subject to credit approval.  Some restrictions apply.

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Adjustable Rate Mortgages - 1st Trust Deeds

Buying a home is often an adjustment period. Our Adjustable Rate Mortgages (ARMs) can be advantageous, offering lower initial payments and easier qualifying. They also feature built-in rate caps for your protection.

• Initial fixed rate periods of 3, 5, 7 or 10 years at low rates.
• After the initial fixed rate period the interest rate can increase up to 5%. Thereafter, rates will not adjust more than 2% per year and not more than 6% over the term of the loan.
• Competitive interest rates.
• No "Negative Amortization".
• Interest may be tax deductible; consult your tax advisor.
• Loans available to $1,000,000*.

Calculate loan payments with our Mortgage Wizard.

Apply online for your loan today, or phone our Member Service Center at (877) 495-1600. Or if you prefer, visit your nearest California Coast branch location to apply in person or E-mail us and we'll call you back.

*Subject to credit approval.  Some restrictions apply.

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