固定利率抵押贷款正是如此. A mortgage with an interest rate that is fixed and stays the same throughout the term of your loan. 它为你提供了一致性，帮助你更容易地设定预算.
用固定利率抵押贷款, 你为抵押贷款支付的金额, 由本金和利息组成的部分, 不会改变. Fixed-rate mortgages are a good choice if you think interest rates will rise and you want to keep the current market rate. 除了, 如果你看到自己在家里待了很长时间, 有固定收入吗, 不要指望再融资, 固定利率抵押贷款可能是你的正确选择.
2024年4月19日生效
|
贷款项目 |
量 |
率 |
4月2 |
|---|---|---|---|
| 30年期固定 | $50,000 to $766,550 | 7.250% | 7.346% |
| 30年期固定利率(无成交成本，折价3%) | $50,000 to $766,550 | 7.750% | 7.819% |
| 20年的固定 | $50,000 to $766,550 | 7.000% | 7.121% |
| 15年固定 | $50,000 to $766,550 | 6.875% | 7.023% |
| 10年期固定 | $50,000 to $766,550 | 6.500% | 6.699% |
| 30年固定Jumbo | $766,551 to $2,500,000 | 7.375% | 7.456% |
| 15年固定Jumbo | $766,551 to $2,500,000 | 7.250% | 7.378% |
| 15年固定高余额 | $766,551 to $1,149,825 | 7.625% | 7.774% |
| 30年固定高结余 | $766,551 to $1,149,825 | 7.500% | 7.592% |
我能买得起多少房子? (下图, “Monthly child support payments” refers to child support payments made as a monthly expense, 而不是孩子的抚养费.)
Calculations provided are for demonstration purposes only and do not guarantee credit approval for the rate and 条款 displayed.
A fixed-rate mortgage has an interest rate that remains the same for the entire loan term. It’s a popular loan option because it provides stability and consistency. You won’t have to worry about the interest rate on your mortgage loan changing, 所以你的本金和利息费用将保持不变. 不管你拿到贷款后会发生什么, 你锁定贷款的利率保持不变. 记住, if your mortgage payment includes homeowners’ insurance or property taxes, 然后它可能会随着这些成本的变化而波动.
首次购房者贷款3%首付
WISH首付款援助贷款
5%首付贷款
10%的首付贷款
Buying a home is an important milestone and one of the biggest financial decisions you’ll make. 但如果你不确定接下来会发生什么，那就会很有压力.
Our 置业贷款顾问s will answer all of your questions so you’re well prepared and informed every step of the way.
不管这是你的第一个家, 度假财产或投资购买, our 置业贷款顾问s will meet with you to discuss your plans and goals.
They’re located locally and have a unique understanding of the Bay Area and Sacramento areas.
Take advantage of dealing with a local expert instead of one across the country.
通过我们的财务健康图书馆了解更多信息.
1 Lock and Shop program is available for 1st mortgage Jumbo loan purchase transactions only. 必须向帕特尔科申请住房贷款才能锁定利率吗. Patelco将在锁定之日起30天内兑现您的费率. Once a fully executed purchase contract is received, the rate will prevail until loan funding.
2 年利率. 年利率的计算依据如下:
贷款价值比(LTV)为60%, owner-occupied purchase with excellent credit and no subordinate financing. Your rate may be different than what is shown, there are pricing adjustments on certain scenarios. 请使用 利率计算器 on our mortgage application site to receive a better estimate for your scenario.
高余额抵押贷款允许超过766美元的更高贷款限额,550符合限制高达1美元,000,000.00 for high-cost areas as determined by the Federal Finance Agency (FHFA). These higher limits are designed to make homeownership more affordable in areas with the highest home prices and are typically priced below jumbo mortgage loan.
3 成交费用包括适用的所有权, escrow and recording cost fees and will appear on the Closing Disclosure. The appraisal and credit report fee will be paid up-front by the member and reimbursed at closing. 风险保险, 税, 会员费, 帕特尔科不承担买方保单和转让税. At least one borrower is a first-time home buyer (had no ownership interest in a property in the last three years). Applicable on the purchase of a single family residence and 30 year fixed conforming loans with minimum 740 FICO.
4 WISH计划并非在所有县都可用. 贷款须经信贷和抵押品审批. 条款和条件可能会有所变化. 招收ment in the WISH Program is not a guarantee to the homebuyer of receipt of funds. 受助人必须签署本票, Deed of Trust and Rider to the Deed of Trust and there will be a lien placed against the subject property for the amount of the grant that will remain on the property for five years. The amount owed will decrease by 20% for each year the borrower retains homeownership of the property as their primary residence. No payments toward the grant are due as long as the homebuyer resides in the property and abides by the 条款 of the grant. After five (5) years, the grant is forgiven, and the lien is released from the property. This is a fixed-rate loan with fixed monthly principal and interest payments for the life of the loan. 单单位物业的贷款金额最高可达766,550元. 超过80% LTV的贷款需要抵押保险. Minimum credit score and reserve requirements apply and may impact the amount that can be borrowed and the interest rate/4月 for which you are eligible. 家庭收入不得超过住房和城市发展部收入区域限制的80%.
5 Eligible for conforming loan amounts and 95% loan-to-value (LTV) available on 15-and 30-year fixed jumbo mortgages only. 贷款 over 80% LTV require mortgage insurance (except for 10% down “combo loans” up to $2 million, 只在CA可用).
利率, 条款, 条件, and availability are subject to change or withdrawal at any time and without notice. Nothing herein is or should be interpreted as an offer or commitment to lend. 贷款须经信贷和财产审批. 其他条件和限制可能适用. 可能需要危险保险. NMLS ID号码为506373.
