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Refinance Your Home Loan

Lower your monthly mortgage payment by refinancing your home loan with Cal Coast. 

How Can You Benefit From Refinancing Your Home Loan?

See if you can put more money in your pocket by leaving your high-rate home loan in the dust and refinancing with Cal Coast. Our expert Mortgage Loan Officers that can guide you through the process to find the term, type, and rate that fits your needs.

Fixed-Rate Mortgage Vs Adjustable-Rate Mortgage (ARM)

Cal Coast offers both fixed and adjustable rate options for refinancing your mortgage. For fixed, your interest rate is set when you take out the loan and will not change. With adjustable, your rate may fluctuate up or down. Explore the main differences below:

Fixed-Rate Mortgages

Looking for stable payments over a longer period of time? A Cal Coast fixed–rate mortgage ensures you have the same payment for the full term of your loan. Have the security knowing what your monthly payment will be for easier budgeting. 

Features & Perks:

Adjustable-Rate Mortgages

An ARM keeps your rate fixed for a set amount of time and eventually becomes a variable rate that adjusts when interest rates change over the life of the loan. If you plan on only living in your house for a shorter period of time, an ARM may be a more affordable option for you. 

Features & Perks:

  • $0 out of pocket options available
  • Fully amortized 5/1 ARM55/5 ARM6, or 7/1 ARM7
  • Jumbo ARM available
  • Interest may be tax deductible (consult your tax advisor)

Want to discuss which refinance option works best for your unique situation?  Our expert mortgage lenders are happy to help (877) 495-1600. 

View Rates

Comparing Fixed-Rate Mortgages

Conforming/Super Conforming Fixed-Rate Mortgages Short-term Mortgages Jumbo Fixed-rate Mortgages
Term Up to 30 Years1  5-year2, 7-year3 or 10-year4 Up to 30 Years8
Closing Costs $0 out of pocket options $0 out of pocket options $0 out of pocket options
Maximum Loan Amount (1-unit, San Diego) Up to $1,006,250 Up to $1,149,825 Up to $2,250,000
View Rates

Comparing Adjustable-Rate Mortgages

CONFORMING/SUPER CONFORMING ARM Jumbo ARM
Term 5/15, 5/56 and 7/17 5/19, 5/510 and 7/111
No Closing Costs Option1 Yes Yes
Maximum Loan Amount (1-unit, San Diego) Up to $1,006,250  Up to $2,250,000

Call or email to connect with a Mortgage Loan Officer.

Our friendly home loan experts are here to help!
(858) 636-3045 Mon-Fri, 9am - 4pm
realestateloanofficer@sydotnet.net

Schedule a Call

Make an appointment when it's convenient for you.

A one-on-one call with a Mortgage Loan Officer can be extremely helpful. You can ask questions and even submit your application over the phone.

Take the next step and apply for a home loan online.

It's easy to get started with our secure, mobile-friendly application. Plus, you can always save your progress and pick up where you left off at a later time. 

Review your options with a Mortgage Loan Officer.


 
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Should I refinance my mortgage?

Depending on when you bought your home, your mortgage interest rate may be higher than what's available today. This means you may be paying more than you need to every month! Refinancing gives homeowners the opportunity to update their mortgage terms and take advantage of lower rates. Whether through market changes or changes in your credit score, you could qualify for a lower rate and end up saving a significant amount of money on mortgage payments over time. Use our refinance calculator to analyze your situation today!

Current Loan Information
Proposed Loan Information


This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. This service shall not infer that the company or its affiliates and email service provider, DocuMatix, Inc, assumes any fiduciary duties. In addition, such service should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results. Use of service is provided without warranty of any kind, either express, implied or statutory, including FITNESS FOR A PARTICULAR PURPOSE, MERCHANTABILITY, AND ACCURACY. Use of service is entirely at users own risk and user should seek professional financial and legal advice without reliance on service. Provider and email service provider shall not be liable for any lost profits, lost business, direct or indirect, punitive or consequential damages or damages of any kind arising out of service use. This agreement shall be governed and enforced by Utah law, with courts located in Salt Lake County, Utah the sole and exclusive venue. User agrees to indemnify and hold harmless company, email service provider, and affiliates from any and all liabilities and costs (including attorney fees) for any improper use or violation of these terms.
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Cal Coast Home Loan Center

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 based on credit history, subject to credit approval, and subject to change without notice. Membership and credit subject to approval. Serving everyone who lives or works in San Diego, Riverside, Imperial, Orange, Los Angeles, Ventura, and San Bernardino counties. A one-time $5 membership fee and savings account required. Some restrictions apply.

  1. 30-Year Conforming fixed-rate estimated monthly payments.
  2. 5-Year TermBuster estimated monthly payments.
  3. 7-Year TermBuster estimated monthly payments.
  4. 10-Year TermBuster estimated monthly payments.
  5. 5/1 ARM Conforming
  6. 5/5 ARM Conforming
  7. 7/1 ARM Conforming
  8. 30-Year Jumbo fixed-rate estimated monthly payments.
  9. 5/1 Jumbo ARM
  10. 5/5 Jumbo ARM
  11. 7/1 Jumbo

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