房屋贷款

贷款的特点

  • 巨额抵押贷款 – up to $3 million
  • PoppyLoan™ – up to 100% financing
  • Fixed and Adjustable 率 Mortgages (ARMs)
  • 房屋净值 Line of Credit (HELOC) 低至4.4月* 00%
  • 10年期利息仅为10/1 ARM

1929cc威尼斯有各种各样的贷款产品,以满足您的需要. Not only that, but you may be eligible for up to 100% financing!

我能买得起多少房子?

当你买房子的时候, mortgage lenders don’t look just at your income, 资产, 还有可用的首付. They look at all your liabilities and obligations as well, 包括汽车贷款, 信用卡债务, 孩子的抚养费, potential property taxes and insurance, 以及你的整体信用评级.

Definitions for Single Family Loan Amounts 

  • Conforming Loan Limits: Maximum loan amount $548,250
  • 超符合/高余额:贷款金额超过$548,250,最高为$822,375
  • Jumbo Loan Amounts: Loan amounts over $822,375

It’s smart to spend time investigating which mortgage is right for you, especially with the variety of loan products we offer to suit your needs. Whether you’re purchasing a new home or refinancing your existing home, selecting the right loan type is crucial.

Check out our expert home-buying ideas!

固定利率抵押贷款

对于那些打算在新房子里住很长一段时间的人,以及那些想要将抵押贷款利率上升的影响降到最低的人来说,这是一个很好的选择. 旧金山联邦信贷联盟的常规固定利率抵押贷款给你的固定每月还款的生命周期的稳定性.  换句话说,你每月的本金和利息总额将保持不变.

We offer both conforming and jumbo fixed-rate mortgages. The Bay Area maximum loan limit for conforming loans is usually $548,250; for super conforming loans the limit is $822,375, and jumbo loans are for amounts greater than $822,375. 19399威尼斯人提供:

  • 15- and 30-year terms with fixed monthly payments
  • Fixed rates (payments stay the same through term)
  • 大型资金
  • 再融资选择

巨额抵押贷款

Get one of the lowest fixed rate Jumbo Loans in the nation!

Jumbo mortgages are home loans that exceed amounts over $822,375, allowing you the opportunity to buy a high-priced home here in the Bay Area. If you have a lower debt-to-income ratio and a higher credit score, a jumbo loan may be right for you.

The limit on conforming loans is $548,250, but jumbo mortgages can exceed these limits, 涨到300万美元. 随着旧金山湾区房价的飞涨,大多数人都需要巨额贷款.

  • 信用记录——大额抵押贷款通常适用于信用良好的借款人, which generally means a FICO score of 680 or higher. 也有收入和其他个人财务信息的既定准则.
  • 财产评估——财产评估必须支持房屋的购买价格和借款人想要的抵押贷款. 最高贷款额将以出售价格或估价中两者中的较低者为准

可调利率按揭(ARMs)

An Adjustable 率 Mortgage (ARM) differs from a fixed-rate mortgage in many ways. 最重要的是, the interest rate changes periodically with an ARM, 通常与索引有关, and payments may go up or down accordingly. ARM rates may have a fixed-rate period of three, five, seven, or 10 years. 在最初的固定利率期限之后,利率和支付可能会发生相应的变化.

Adjustable-rate mortgages are a hybrid of fixed and variable rates. 一般, 贷款的头几年提供固定利率,之后是可变利率. 因此, 投资者可以预期在整个贷款期限内有不同的支付金额,而不是一个一致的支付, 就像固定利率贷款一样.

可调利率抵押贷款的优点是在固定的贷款期内利率较低. 另外,如果你不打算在一所房子里住30年,为什么要借钱30年去买它呢?

Interest-Only Adjustable 率 Mortgage (IO ARMs)

仅计息可调利率抵押贷款(IO ARM)提供了可调利率抵押贷款(ARM)的特点,并具有显著降低初始付款的额外好处.

During the initial 10-year payment period, payments are for the monthly interest only, 无需支付本金. Following the initial 10 year period, 贷款转换为利息和本金支付,完全偿还贷款金额超过30年(摊销期). The total loan term for this loan is 40 years.

While the interest remains fixed in the initial period, the interest rate during the 30 year amortization period may vary annually. 利率调整受每个调整期和整个周期的利率上限限制,贷款的最低和最高利率上限.

POPPYLoans

旧金山联邦信贷联盟有一个家庭贷款产品,提供高达100%的融资对你的梦想家! 当你可以用定制的POPPYLoan™购买自己的房子时,为什么还要支付荒谬的租金, “我没有足够的钱付首付!”

再融资你的家

Swap out your old loan for a new (and better!)一个. 你是否有现有的1929cc威尼斯贷款或与其他贷方, we have options that may save you money. We offer both fixed-rate and adjustable-rate mortgages (ARMs), 许多贷款没有预付罚金,也没有私人抵押贷款保险(PMI)或预付抵押贷款保险费(UMIP).

For anyone considering refinancing their existing mortgage, please speak with one of our experienced mortgage advisors by calling , 2977分机.

住房贷款利率

第一抵押贷款
类型4月
符合手臂5/13.000%3.038%0.000%
符合手臂10/12.500%2.738%0.000%
符合30年固定期限3.000%3.058%0.000%
符合15年固定期限2.750%2.852%0.000%
10年期利息仅为10/1 ARM2.750%2.919%0.000%

最后更新:12/08/2021

房屋净值
类型4月
HELOC 10/204.000%4.000%0.000%
10年房屋净值贷款4.500%4.500%0.000%

最后更新:08/27/2021

19399威尼斯人

We have home loan experts available to make your experience as smooth as possible. 打电话给19399威尼斯人, 1- X 2977与19399威尼斯人的知识渊博和友好的专业抵押贷款回答您的任何问题.

居所贷款文件核对表

When getting ready to submit an application, here’s a 的文档列表 你手边需要有.

成员评论

滚动到顶部