房屋贷款
核磁测井416906
旧金山联邦信贷联盟 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, 抵押贷款者并不只看你的收入, 资产, 还有首付. 他们也会考虑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, 还有你的整体信用评级.
对单一家庭贷款数额的定义
- 符合贷款限额:最高贷款金额$ 647200
- Super Conforming/High Balance: Loan amounts over $647,200 to a maximum of $970,800
- 巨额贷款:贷款金额超过$970,800
花时间调查哪种抵押贷款适合你是明智的, 特别是必威体育官网最新版提供多种贷款产品，以满足您的需求. 无论你是购买新房还是对现有房屋进行再融资, 选择合适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. 旧金山联邦信贷联盟’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.
必威体育官网最新版既提供符合标准的固定利率抵押贷款，也提供巨额固定利率抵押贷款. 湾区标准贷款的最高限额通常是647美元,200; for super conforming loans the limit is $970,800, 大额贷款是指金额超过970美元的贷款,800. 必威体育官网最新版提供:
- 15年期和30年期，每月固定付款
- 固定利率(付款期限不变)
- 大型资金
- 再融资选择
巨额抵押贷款
获得全国最低固定利率的大额贷款!
巨额抵押贷款是指超过970美元的房屋贷款,800, 让你有机会在湾区购买高价住宅. 如果你有较低的债务收入比和较高的信用评分, 大额贷款可能适合你.
符合条件的贷款的上限是647美元,200, 但巨额抵押贷款可能超过这些限制, 上升到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分数在680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
可调利率抵押贷款
可调利率抵押贷款(ARM)在许多方面不同于固定利率抵押贷款. 最重要的是, 利率在ARM中周期性地变化, 通常与索引有关, 付款可能会相应地增加或减少. ARM利率可能有3年、5年、7年或10年的固定利率期. 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, 就像固定利率贷款一样.
The advantage of an adjustable-rate mortgage is that they carry lower interest rates during the fixed period of the loan. Plus, if you don’t plan to live in a home for 30 years, why borrow for 30 years to buy it?
只付利息可调利率按揭(IO ARMs)
An Interest-Only Adjustable 率 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年付款期间, 只支付每月的利息, 不需要支付本金. 在最初的10年之后, 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是40年.
而利息在初始阶段保持固定, 30年摊销期间的利率每年可能有所变化. The rate adjustments are subject to rate caps for each adjustment period and lifetime minimum and maximum interest rate caps for the loan.
POPPYLoans
旧金山联邦信贷联盟 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!”
再融资你的家
把旧贷款换成新的(更好的)!)一个. Whether you have an existing 旧金山联邦信贷联盟 loan or one with another lender, 必威体育官网最新版有可能帮你省钱的选择. 必威体育官网最新版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.
对于任何考虑对现有抵押贷款进行再融资的人, 请致电必威体育官网最新版有经验的抵押贷款顾问 800-852-7598, 2977分机.
住房贷款利率
| 类型 | 率 | 4月 | 点 |
|---|---|---|---|
| 符合手臂5/1 | 5.125% | 5.208% | 0.000% |
| 符合手臂10/1 | 5.625% | 5.714% | 0.000% |
| 30年固定 | 4.750% | 4.828% | 0.000% |
| 15年固定 | 4.000% | 4.124% | 0.000% |
| 10年期利率10/1 ARM | 5.875% | 5.947% | 0.000% |
最后更新:04/21/2022
| 类型 | 率 | 4月 | 点 |
|---|---|---|---|
| HELOC 10/20 | 4.000% | 4.000% | 0.000% |
| 10年房屋净值贷款 | 6.000% | 6.000% | 0.000% |
最后更新:04/21/2022
必威体育官网最新版
必威体育官网最新版有住房贷款专家可用，使您的经验尽可能顺利. 打电话给必威体育官网最新版, 1-800-852-7598 x 2977 to speak to one of our knowledgeable and friendly mortgage professionals to answer any of your questions.
居所贷款文件清单
准备提交申请时，这里有一个 的文档列表 你需要准备一些.