Buying a home is one of the biggest financial decisions you’ll make in your lifetime. We understand you’ll have questions and we’re here to provide answers.
无论是你的 第一个家, a vacation property or an investment purchase, we’ll help you get there.
收费低, 灵活的程序, 以及专家建议, 我们会帮助你找到一个可以称之为家的地方.
税率自2024年7月6日起生效
|
贷款项目 |
量 |
率 |
4月2 |
|---|---|---|---|
| 30年期固定 | $50,000 to $766,550 | 7.000% | 7.092% |
| 30年期固定利率(无成交成本，折价3%)6 | $50,000 to $766,550 | 7.500% | 7.565% |
| 20年的固定 | $50,000 to $766,550 | 6.500% | 6.613% |
| 15年固定 | $50,000 to $766,550 | 6.500% | 6.641% |
| 10年期固定 | $50,000 to $766,550 | 6.375% | 6.571% |
| 30年固定高结余 | $766,551 to $1,149,825 | 7.375% | 7.465% |
| 15年固定高余额 | $766,551 to $1,149,825 | 7.500% | 7.646% |
| 15年固定Jumbo | $766,551 to $2,500,000 | 6.750% | 6.869% |
| 30年固定Jumbo | $766,551 to $2,500,000 | 6.750% | 6.823% |
*与朋友交谈 置业贷款顾问 关于联邦住房管理局、退伍军人管理局和美国农业部的利率.
税率自2024年7月6日起生效
|
贷款项目 |
量 |
率 |
4月2 |
|---|---|---|---|
|
5/1 30年可调3 |
$50,000 to $766,550 | 6.250% | 7.004% |
|
5/5 30年可调4 |
$50,000 to $766,550 | 6.375% | 6.459% |
|
7/1 30年可调3 |
$50,000 to $766,550 | 6.250% | 6.871% |
|
10/1 30年可调3 |
$50,000 to $766,550 | 6.375% | 6.793% |
|
10/10 30年可调5 |
$50,000 to $766,550 | 6.500% | 6.628% |
|
5/1 30年可调Jumbo3 |
$766,551 to $2,500,000 | 6.250% | 6.988% |
|
5/5 30年可调Jumbo4 |
$766,551 to $2,500,000 | 6.375% | 6.443% |
|
7/1 30年可调Jumbo3 |
$766,551 to $2,500,000 | 6.250% | 6.855% |
|
10/1 30年可调Jumbo3 |
$766,551 to $2,500,000 | 6.375% | 6.777% |
|
10/10 30年可调Jumbo5 |
$766,551 to $2,500,000 | 6.500% | 7.064% |
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.
Your mortgage loan’s interest rate is affected by a variety of things, 包括你的信用评分, 首付, 以及你的抵押贷款金额, 除其他因素外. 我们鼓励您使用我们的 按揭贷款计算器 to see your options or speak to a 置业贷款顾问 for a more accurate quote.
It’s a common misconception that you need a 20% 首付 to buy a home. In fact, you can get into a home with a 首付 as low as 3% and no closing costs6. We offer several programs designed to help make homeownership more affordable.
Here’s an overview of the most common options and their benefits:
You should be aware that you must immediately pay off this type of debt if you sell your home, just like you must pay off your 第一个 mortgage (if you have one). Additionally, your home could be foreclosed if you don’t pay the loan. That’s because your home is the collateral (the guarantee) for the loan.
首付款资助贷款
首次购房者贷款首付3%
5%首付贷款
10%的首付贷款
买房是一个激动人心的里程碑, but there’s a lot of information out there and it can feel overwhelming at times. 有一个好的伴侣站在你这边会让一切变得不同.
我们的房屋贷款顾问是他们行业的专家, 并带来当地的专业知识, 指导, 并在整个过程中给予支持. They’ll answer all of your questions so you’re well-informed and ready to take the next step toward your new home.
从我们的健康资源中了解更多.
1 锁和商店计划可用于第一(1)st)按揭贷款只适用于大额贷款购买交易. Must have a home loan application with Patelco to lock in a rate. Patelco will honor your rate up to 30 days from the date it is locked. 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:
贷款价值比为60% (LTV), owner-occupied purchase with excellent credit and no subordinate financing. 您的价格可能与显示的不同, 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. 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.
High-Balance Mortgages allow for higher loan limits beyond the $766,550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 The index is the weekly average of the 1-year US Treasury securities adjusted to constant maturity of one year, 由美联储提供. The caps are 2% annually and 6% lifetime based on the initial rate. 目前的指数是5.10%. 您的价格可能与显示的不同.
4 The index (for 5/5 product) is the weekly average of the 5-year US Treasury securities adjusted to constant maturity of five years, 由美联储提供. The caps are 2% every adjustment and 5% lifetime based on the initial rate. 目前的指数是4.32%. 您的价格可能与显示的不同.
5 The index (for 10/10 product) is the weekly average of the 10-year US Treasury securities adjusted to constant maturity of ten years, 由美联储提供. The caps are 3% every adjustment and 6% lifetime based on the initial rate. 目前的指数是4.30%. 您的价格可能与显示的不同.
6 成交费用Patelco支付的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, 购货业主政策, Transfer Tax and Mortgage 保险 (if applicable) are not covered by Patelco. 贷款须经信贷和抵押品审批. 超过80% LTV的贷款需要抵押贷款保险.
7 At least one borrower is a 第一个-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. FHL Bank San Francisco Middle-Income Down Payment assistance program is not available in all counties. 条款和条件可能会有所变化. 招收ment in the program is not a guarantee to the homebuyer of receipt of funds.
8 Eligible for conforming loan amounts and 95% loan-to-value (LTV) available on 15—— 30-year fixed jumbo mortgages only. 超过80% LTV的贷款需要抵押贷款保险.
