固定利率抵押贷款|加州海岸信用合作社-韦德开户试玩

	合格/超合格固定利率	3% DOWN FIXED-RATE	TERMBUSTER	JUMBO FIXED-RATE
TERM	15⁷, 20¹⁰, or 30-year⁸	30-year³	5⁴, 7⁵, or 10-year⁶	15¹¹, 20¹², or 30-year⁹
最高贷款额(1个单位，圣地亚哥)	$1,006,250	$766,550	$1,006,250	$2,250,000
最高贷款额(4个单位，圣地亚哥)	$1,935,150	N/A	N/A	N/A
MINIMUM DOWN PAYMENT	As low as 5%¹ depending on loan amount	3% Down	Refinance only	As low as 5%² depending on loan amount
TRANSACTION TYPE	Purchase or Refinance	Purchase	Refinance	Purchase or Refinance
PROPERTY USE	业主自住，第二套住房，投资	Owner occupied	业主自住，第二套住房，投资	业主自住，第二套住房，投资
PROPERTY TYPE	Single family, Condo, 2-4 unit	Single family, Condo	Single family, Condo, 2-4 unit	Single family, Condo
MORTGAGE INSURANCE	Standard monthly premium	Standard monthly premium	Standard monthly premium	Standard monthly premium
LENDER CLOSING COSTS	$0 out of pocket options	$0 out of pocket options	0美元自付期权，2500美元贷方信用，允许卖方信用	$0 out of pocket options
	Learn More	Learn More	Learn More	Learn More

What is a Fixed-Rate Mortgage?

固定利率抵押贷款是一种住房贷款，其利率和付款在贷款期限内保持不变. 假设你有一笔30年的固定利率抵押贷款. 你的月供将在整个30年内保持不变.⁸

Why is this important? 让我们想象一下，如果利率不固定. 这就意味着你的利率可以上升或下降，你对它没有太多的控制. 如果利率上升，你每月的抵押贷款支付可能会变得不可预测，而且可能会更加昂贵.

你是否渴望拥有一个房子，降低你目前的利率，或者提前还清你的抵押贷款? 固定利率抵押贷款对你来说可能是正确的选择. 如果你不打算在不久的将来卖掉你的房子，你应该考虑固定利率的抵押贷款, 或者如果你看重稳定和内心的平静，因为你知道你的月供将在你的贷款期间保持一致.

Apply Now Custom Quote

Term	Rate	APR	Points
3% Down³	7.250%	7.771%	0.375%
5-Year TermBuster⁴	6.125%	6.126%	0.000%
7-Year TermBuster⁵	6.250%	6.251%	0.000%
10-Year Termbuster⁶	6.375%	6.376%	0.000%
15-Year Conforming⁷	6.375%	6.562%	0.375%
30-Year Conforming⁸	6.875%	6.967%	0.125%
30-Year Jumbo⁹	6.875%	6.945%	0.125%

webform template 625x375px.png

你是在买房还是为现有房产再融资? Home purchase Refinance

你的信用评分是多少? 740+ 680 - 739 620 - 679 Under 620

估计税前家庭月总收入?

Name

Phone

你最喜欢的韦德开户试玩是什么? Select all that apply. Email Phone call

Talk to an Expert

我们友好的住房贷款专家在这里提供帮助!
(858) 636-3045 Mon-Fri, 9am - 4pm
realestateloanofficer@cqminge.com

Get Preapproved

一封个性化的预批准信向卖家表明你是一个认真的买家. 看看如何在24小时内获得预先批准.

Understand the ins and outs

有了正确的行动计划，买房子就容易多了. 看看这篇对首次购房者有帮助的8条建议.

APR= Annual Percentage Rate.

30年期，固定利率，利率为8.625%, APR 9.046%，月供5416美元.13 inclusive of mortgage insurance. 这不包括财产保险或税收，并假设财产价值700美元,000, 95% LTV, single family, owner-occupied, credit score 740+.
30年期，固定利率，利率为8.250%, APR 8.648%，每月还款额9,730元.包括按揭保险. 这不包括财产保险或税收，并假设财产价值为1美元,300,000, 95% LTV, single family, owner-occupied, credit score 740+.