Rates

15 Year Fixed

2.75%

2.84% APR

Save on interest compared to a 30-year fixed loan, and get a low, fixed monthly payment for the life of the loan over 15 years.

30 Year Fixed

2.875%

2.99% APR

Enjoy a low, fixed monthly payment for the life of the loan, avoid mortgage insurance when you put 20% down. PMI Req. with less down.

30 Year Fixed FHA

3.125%

3.29% APR

Buy or refinance with lenient credit requirements. lower down payment also makes this loan a perfect fit for first-time home buyers

30 Year Fixed VA

3.125%

3.29% APR

Take advantage of benefits available to military veterans, active-duty service, reserve members and eligible surviving spouses.

These rates are current as of 9:00 AM EDT on June 12, 2020.

Use annual percentage rate APR, which includes fees and costs, to compare rates across lenders. Rates and APR below may include up to .50 in discount points as an upfront cost to borrowers. Please call for details. Minimum credit score of 740 is required for current rates displayed. Loan Amount for current APR displayed is for 300,000.

 

How to Know What Your Mortgage Rate Will Be

The mortgage rates listed above are some of our lowest available for these popular loan options. These aren’t necessarily the rates you’ll get when you apply. Your rate depends on many factors such as your credit, your loan amount and your down payment.

The most accurate way to see what your rate could be is to speak with a Home Loan Expert or apply online . After you provide some basic information, we’ll match you with a loan option and rate that meet your financial goals.

 

Picking the Right Mortgage

It’s important to match your mortgage to your financial goals. Here are some goals you may have in mind and the loan options that could help you reach them.

 

A Consistent Monthly Payment

Fixed-rate loans are a great option if you want a monthly payment that won’t change. A fixed interest rate means your rate stays the same for the life of the loan – so your payment will only change if your taxes or insurance premiums do. Many of our clients opt for 30- or 15-year fixed-rate loans.

 

Lower Rates

Adjustable rate mortgages (ARMs) offer lower rates than some other loan types. ARMs are a great option if you expect to sell your house or refinance before the initial fixed-rate period ends. A popular ARM is the 5-year ARM, which is a 30-year mortgage with an initial fixed-rate period of five years.

 

A Term that Works for You

Want to pay off your house before a big life change? At All Coast Lending we allow you to pick any term from 8 to 30 years so you can pay off your mortgage in the time frame that makes sense for you.

 

Other Loans We Offer

  • USDA loans: Buy a home in a qualifying rural area with 0% down and save on mortgage insurance
  • VA loans: A home loan for qualified veterans, service members and spouses
  • Jumbo loans: These offer low interest rates for loans between $510,401 and $5 million

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