买房是你一生中最重要的财务决定之一. 我们知道你会有疑问，我们在这里为你提供答案.
无论是你的 第一个家无论是度假物业还是投资购买，我们都会帮助您实现.
收费低, 灵活的程序, 以及专家建议, we’ll work with you to help you find your place to call home.
Personalized advice and 指导 at each step – find your 首页 Loan Consultant
Search for properties, receive special discounts and more with 主场优势
Make offers with confidence and learn more about getting 预先批准的 前期
Lock in your rate while you make offers on homes1
We consistently meet deadlines and close quickly
利率 Effective 05/17/2024
|
贷款项目 |
量 |
率 |
4月2 |
|---|---|---|---|
| 30年期固定 | $50,000 to $766,550 | 6.875% | 6.966% |
| 30年期固定 (No Closing Costs, 3% Down)6 | $50,000 to $766,550 | 7.375% | 7.439% |
| 20年的固定 | $50,000 to $766,550 | 6.375% | 6.486% |
| 15年固定 | $50,000 to $766,550 | 6.375% | 6.514% |
| 10年期固定 | $50,000 to $766,550 | 6.000% | 6.187% |
| 30年期固定 High Balance | $766,551 to $1,149,825 | 7.125% | 7.211% |
| 15年固定 High Balance | $766,551 to $1,149,825 | 7.250% | 7.392% |
| 15年固定Jumbo | $766,551 to $2,500,000 | 7.125% | 7.251% |
| 30年固定Jumbo | $766,551 to $2,500,000 | 6.750% | 6.823% |
*与朋友交谈 首页 Loan Consultant about FHA, VA and USDA rates.
利率 Effective 05/17/2024
|
贷款项目 |
量 |
率 |
4月2 |
|---|---|---|---|
|
5/1 30-Year Adjustable3 |
$50,000 to $766,550 | 6.500% | 7.107% |
|
5/5 30-Year Adjustable4 |
$50,000 to $766,550 | 6.625% | 6.561% |
|
7/1 30-Year Adjustable3 |
$50,000 to $766,550 | 6.500% | 7.002% |
|
10/1 30-Year Adjustable3 |
$50,000 to $766,550 | 6.625% | 6.960% |
|
10/10 30-Year Adjustable5 |
$50,000 to $766,550 | 6.750% | 6.839% |
|
5/1 30-Year Adjustable Jumbo3 |
$766,551 to $2,500,000 | 6.500% | 7.091% |
|
5/5 30-Year Adjustable Jumbo4 |
$766,551 to $2,500,000 | 6.625% | 6.546% |
|
7/1 30-Year Adjustable Jumbo3 |
$766,551 to $2,500,000 | 6.500% | 6.986% |
|
10/1 30-Year Adjustable Jumbo3 |
$766,551 to $2,500,000 | 6.625% | 6.944% |
|
10/10 30-Year Adjustable Jumbo5 |
$766,551 to $2,500,000 | 6.750% | 7.231% |
How much home can I afford? (下图, “每月子女抚养费”是指按月支付的子女抚养费, not to income from child support.)
所提供的计算仅用于演示目的，并不保证所显示的利率和条款获得信贷批准.
We’ll guide you through this step. We recommend having a preliminary conversation with one of our 首页 Loan Consultants 第一个. They’ll ask you some questions about your goals, 首付款基础, 收入和更多信息来了解你可能符合的价格点. 获得每月付款和费用的实际金额和估计, you’ll want to apply and get 预先批准的.
你的抵押贷款利率受到很多因素的影响, including your credit score, 首付, and the amount of your mortgage loan, 除其他因素外. We encourage you to use our mortgage loan calculator 看看你的选择或说话的住房贷款顾问更准确的报价.
这是一个常见的误解，你需要20%的首付买房子. 事实上，你可以用低至3%的首付买到一套房子，而且没有交易费用6. 我们提供了几个项目，旨在帮助人们更负担得起房屋所有权.
以下是最常见的选择及其好处的概述:
你应该意识到，如果你卖掉你的房子，你必须立即还清这类债务, 就像你必须偿还你的第一笔抵押贷款一样(如果你有的话). 此外，如果你不偿还贷款，你的房子可能会被取消赎回权. 那是因为你的房子是贷款的抵押品(担保).
Down Payment Assistance Loan
3% Down First-Time Buyer Loan
5%首付贷款
10% Down Piggyback Loan
Buying a home is an exciting milestone, 但是有很多信息在那里，有时会让人感到不知所措. Having a good partner on your side can make all the difference.
Our 首页 Loan Consultants are experts in their trade, and bring local expertise, 指导, and support throughout the entire process. 他们会回答你所有的问题，这样你就能充分了解情况，准备好迈出迈向新家的下一步.
Learn more from our well-being resources.
1 Lock and Shop program is available for 第一个 (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. 一旦收到一份完全执行的购买合同，在贷款资金到位之前，利率将优先执行.
2 4月 = Annual Percentage 率. 4月s are based on the following:
Conforming rate shown at 60% loan-to-value (LTV), 自住购买，信用良好，无从属融资. 您的费率可能与显示的不同，在某些情况下会有价格调整. 请使用 利率计算器 在我们的抵押贷款申请网站收到一个更好的估计您的情况. 利率, 条款, 条件, 可随时更改或取消，恕不另行通知. 此处的任何内容都不应被解释为提供或承诺贷款. 贷款 are subject to credit and property approval. Other 条件 and restrictions may apply. Hazard insurance may be required. NMLS ID Number is 506373.
高余额抵押贷款允许超过766美元的更高贷款限额,550 conforming limit up to $1,000,000.由联邦金融局(FHFA)确定的高成本地区为00美元。. 这些更高的限制旨在使房价最高的地区更容易负担得起房屋所有权，这些地区的房价通常低于巨额抵押贷款.
3 该指数是将1年期美国国债按固定期限调整为1年的周平均值, as made available by the Federal Reserve. 根据初始利率，上限为每年2%，终身6%. The current index is 5.09%. Your rate may be different than what is shown.
4 该指数(对于5/5产品)是5年期美国国债调整为5年期固定期限的周平均值, as made available by the Federal Reserve. 上限为每次调整的2%和基于初始速率的5%寿命. The current index is 4.35%. Your rate may be different than what is shown.
5 该指数(用于10/10产品)是10年期美国国债调整为10年期固定期限的周平均值, as made available by the Federal Reserve. 上限为每次调整的3%和基于初始利率的6%. The current index is 4.34%. Your rate may be different than what is shown.
6 成交费用Patelco支付的费用包括适用的所有权, 托管和记录费用，并将出现在成交披露. 评估和信用报告费用将由会员预先支付，并在交易结束时偿还. 风险保险, 税, 会员费, Purchase Owner’s Policy, Patelco不承担转让税和抵押保险(如适用). 贷款 subject to credit and collateral approval. 贷款 over 80% LTV require mortgage insurance.
7 至少有一名借款人是首次购房者(在过去三年内没有房产所有权). 适用于购买单户住宅和30年固定贷款，最低FICO为740. FHL银行旧金山中等收入首付援助计划并非在所有县都适用. Terms and 条件 are subject to change. 参加该计划并不能保证购房者收到资金.
8 符合资格的贷款金额和95%的贷款价值比(LTV)适用于15年和30年固定巨额抵押贷款. 贷款 over 80% LTV require mortgage insurance.
