FIXED RATE MORTGAGE

Get peace of mind with a mortgage rate that will never increase.

Lock in a low fixed rate

OUR FIXED RATE MORTGAGES FEATURE

Up to 105% LTV1
No down payment, and no PMI costs, to help you get into your dream home.
Local Servicing
Unlike other lenders, we don’t sell your mortgage servicing.
Low Fees
Our lower fees make for easy,
low-stress closings.
Up to 105% LTV

Flexible Terms and Rates to Fit Your Budget and Lifestyle

  • Our 30 Year Fixed, and 7/1 ARM features no down payment options with up to 105% Loan to Value (LTV)1 on home purchases
  • Home purchases can go beyond 100% financing to use your money as you see fit. All while saving money every month with no Private Mortgage Insurance (PMI) requirement!
  • A fixed rate means your rate will never increase
  • Underwriting fee of just $600 and no charges for document prep or credit reports mean substantial savings
  • Loan amounts up to $647,200
  • We also offer 10-, 15-, 20- and 30-year mortgages with competitive interest rates
  • See what documents you’ll need with our Mortgage Application Checklist.

Resource Center

Considering Homeownership

More than 70% of Americans consider homeownership to be an important part of the American Dream but buying a home can be one of the most expensive, albeit rewarding, decisions you’ll ever make.

All About Mortgages - What You Need to Know

For a majority of people in the U.S., buying a home is a big part of the American Dream. But how many years would it take to save up the lump sum you’d need to pay for a house in full?


Low fixed rate mortgages; credit unions rock.
Coastal Member

Frequently Asked Questions

1. Up to 105% loan to value (LTV) financing on home purchases. Up to home’s purchase price or appraised value, whichever is less. For loans with an LTV exceeding 100%, borrower must establish direct deposit and have a qualifying Coastal deposit account in addition to the Primary Share account.

For a $250,000 loan for a term of 30 years with a 4.50% APR, the monthly payment is $1,267.00. Taxes and insurance are not included in this payment example and that the actual payment obligation could be greater. All loans are subject to approval. Additional product restrictions, terms, and conditions may apply. Membership eligibility required.

For a $250,000 loan for a term of 20 years with a 4.50% APR, the monthly payment is $1,582.00. Taxes and insurance are not included in this payment example and that the actual payment obligation could be greater. All loans are subject to approval. Additional product restrictions, terms, and conditions may apply. Membership eligibility required.

For a $250,000 loan for a term of 15 years with a 4.50% APR, the monthly payment is $1,912.00. Taxes and insurance are not included in this payment example and that the actual payment obligation could be greater. All loans are subject to approval. Additional product restrictions, terms, and conditions may apply. Membership eligibility required.

For a $250,000 loan for a term of 10 years with a 4.50% APR, the monthly payment is $ 2,821.00. Taxes and insurance are not included in this payment example and that the actual payment obligation could be greater. All loans are subject to approval. Additional product restrictions, terms, and conditions may apply. Membership eligibility required.

** Carrier data rates may apply.

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