房屋贷款
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十大可靠彩票平台 has a variety of loan products to suit your needs. 不仅如此，你还可能有资格获得高达100%的融资!
我能买得起多少房子?
当你买房子的时候, 抵押贷款机构不只是看你的收入, 资产, 还有首付. 他们也会看你所有的负债和义务, 包括汽车贷款, 信用卡债务, 孩子的抚养费, 潜在的财产税和保险, 以及你的整体信用评级. 学会如何去做也是很聪明的 为你的新家做预算.
单户贷款金额的定义
- 符合规定的贷款限额:最高贷款金额为$726,200
- Super Conforming/High Balance: Loan amounts over $726,200 to a maximum of $1,089,300
- 大额贷款:贷款金额超过1,089,300美元
明智的做法是花时间调查哪种抵押贷款适合你, 特别是十大彩票游戏平台提供的各种贷款产品，以满足您的需求. 无论您是购买新房还是为现有房屋再融资, 选择正确的贷款类型至关重要.
固定利率抵押贷款
A great option for those planning to stay in their new home for a long time and who want to minimize the effects of rising interest rates on their mortgages. 十大可靠彩票平台’s Conventional Fixed-率 mortgages give you the stability of fixed monthly payments for the life of the loan. In other words, your total monthly payment of principal and interest will remain the same over time.
十大彩票游戏平台提供标准和大额固定利率抵押贷款. 湾区的最高贷款限额通常为726美元,200; for super conforming loans the limit is $1,089,300, 大额贷款是指金额大于1美元的贷款,089,300. 十大彩票游戏平台提供:
- 15年和30年的贷款期限，每月固定付款
- 固定利率(付款在整个期限内保持不变)
- 提供巨额融资
- 可用的再融资方案
巨额抵押贷款
获得全国最低的固定利率大额贷款之一!
巨额抵押贷款是指金额超过1美元的住房贷款,089,300, 让你有机会在湾区买到高价的房子. 如果你有较低的债务收入比和较高的信用评分, 一笔巨额贷款可能正适合你.
符合规定的贷款限额为726美元,200, 但巨额抵押贷款可能超出这些限制, 涨到300万美元. And with skyrocketing housing prices in the Bay Area, most people need a jumbo loan.
- Credit history – Jumbo mortgages are usually available for borrowers with very good credit, 这通常意味着FICO得分在680分或更高. There are also established guidelines for income and other personal financial information.
- Property appraisal – The property appraisal must support the purchase price for the home and the mortgage the borrower wants. The maximum loan amount will be based on the lesser of either the sales price or the appraised value
可调利率按揭
An adjustable-rate mortgage (ARM) differs from a fixed rate mortgage in many ways. 最重要的是, 利率随ARM周期性变化, 通常与索引有关, 付款可能会相应上升或下降. ARM利率可能有3年、5年、7年或10年的固定利率期限. After the initial fixed-rate period, the interest rate and payment may change accordingly.
可调利率抵押贷款是固定利率和可变利率的混合体. 一般, fixed rate interest is offered the first few years of the loan followed by variable rate interest after that. 因此, investors can expect to have varying payment amounts for the life of the loan as opposed to one consistent payment, 和固定利率贷款一样.
The advantage of an adjustable-rate mortgage is that they carry lower interest rates during the fixed period of the loan, 这样一来，你就有机会降低每月的首付款了.
只付息可调利率按揭
An interest-only adjustable-rate mortgage (IO ARM) provides the features of an adjustable-rate mortgage (ARM) with the added benefit of significantly lower initial payments.
在最初的10年付款期内, 付款只针对每月的利息, 不需要支付本金. 在最初的10年期间之后, the loan converts to interest and principal payments that fully repay the loan amount over 30 years (amortization period). 这笔贷款的总贷款期限为40年.
而利息在初始阶段是固定的, 30年摊销期间的利率每年可能会有所不同. The rate adjustments are subject to rate caps for each adjustment period and lifetime minimum and maximum interest rate caps for the loan.
POPPYLoans
十大可靠彩票平台 has a home loan product that offers up to 100% financing on your dream home! Why pay ridiculous rent when you can buy your own home with the customizable POPPYLoan™, a game-changing solution to that woeful lament: “I don’t have enough money for a down payment!”
为你的房屋再融资
把你的旧贷款换成新的(更好的)!)一个. Whether you have an existing 十大可靠彩票平台 loan or one with another lender, 十大彩票游戏平台有些选择可以帮你省钱. 十大彩票游戏平台提供固定利率和可调利率抵押贷款。, with no pre-payment penalties and no private mortgage insurance (PMI) or upfront mortgage insurance premium (UMIP) on many loans.
房屋贷款利率
| 类型 | 率 | 4月 | 点 |
|---|---|---|---|
| 30年期固定利率贷款 | 7.250% | 7.362% | 0.000% |
| 15年期固定利率贷款 | 6.750% | 6.921% | 0.000% |
| 符合5/1可调利率按揭 | 7.000% | 7.815% | 0.000% |
| 符合10/1可调利率按揭 | 7.500% | 7.828% | 0.000% |
| 符合标准的只付息10/1可调利率抵押贷款 | 7.750% | 8.026% | 0.000% |
最后更新日期:2023年10月24日
| 类型 | 率 | 4月 | 点 |
|---|---|---|---|
| HELOC 10/20 | 8.500% | 8.500% | 0.000% |
| 10年期房屋净值贷款 | 10.500% | 10.500% | 0.000% |
最后更新日期:2023年10月24日
十大彩票游戏平台
十大彩票游戏平台有住房贷款专家，使您的经验尽可能顺利. 请致电 1-800-852-7598 x 2977 to speak to one of our knowledgeable and friendly mortgage professionals to answer any of your questions.
房屋贷款文件核对表
当准备提交申请时，这里有一个 文件清单 你需要手头有.