可调利率抵押贷款
Embrace homeownership with an 可调整利率 Mortgage. We offer personalized solutions to fit 你的 evolving home financing needs.
Take advantage of lower introductory rates and payments.
Adjustable-rate mortgages often come with a lower initial interest rate than that of a comparable fixed-rate mortgage.
可调利率抵押贷款功能
| 符合/超符合臂 | 下跌0% | 巨型手臂 | |
|---|---|---|---|
| 术语 | 5/54, 5/15 , or 7/16 | 7/13 | 5/57, 5/18, or 7/19 |
| MAXIMUM LOAN AMOUNT (1-UNIT, SAN DIEGO) | $1,006,250 | $766,550 | $2,250,000 |
| MAXIMUM LOAN AMOUNT (4-UNIT, SAN DIEGO) | $1,935,150 (consult a Mortgage Loan Officer) | N/A | N/A |
| 最低首付款 | 低至5%1 视贷款金额而定 | 下跌0%3 | 低至5%2 视贷款金额而定 |
| 交易类型 | 购买或再融资 | 购买 | 购买或再融资 |
| 财产的使用 | 业主占用，第二个家, Investment | 业主占领 | 业主占用，第二个家 |
| 属性类型 | 单户，公寓，2-4单元 | 单户、共管公寓 | 单户、共管公寓 |
| 抵押贷款保险 | 标准每月保费 | 标准每月保费 or No mortgage insurance | 标准每月保费 |
| 贷款人结算费用 | 0美元的自付期权 | 0美元的自付期权 | 0美元的自付期权 |
What is an 可调整利率 Mortgage (ARM)?
An adjustable-rate mortgage is a home loan with a variable rate and payment. ARM loans start with an initial interest rate that is typically lower than that of a comparable fixed-rate mortgage. The initial low interest rate is fixed for a period of time, after that the rate adjusts periodically. 这 means after the initial fixed-rate period 你的 monthly payment could go up or down, 视市场情况而定.
When should you consider an 可调整利率 Mortgage?
The primary advantage to an adjustable rate mortgage is that typically you'll get a lower initial rate and payment than that of a comparable fixed-rate mortgage. A lower initial rate could save you money on interest payments. You should consider an ARM loan if you:
- Are looking to buy a home and do not meet the qualification requirements for a fixed-rate mortgage (7/1 ARM9)
- Are a first-time homebuyer needing a lower payment during 你的 first years as a home owner
- Would like to purchase a home with 0% down3
- Plan on selling or refinancing before the initial fixed-rate period is over
Review 你的 options with a Mortgage Loan Officer.
Answer a few questions and a home loan expert will reach out to help you.
房屋贷款资源
Call or email to connect with a Mortgage Loan Officer.
Our friendly home loan experts are here to help!
(858) 636-3045 周一至周五，上午9点至下午4点
realestateloanofficer@szdatang.net
Boost 你的 offer with a Cal Coast preapproval letter.
A personalized preapproval letter shows sellers you’re a serious buyer. See what it takes to get preapproved in as little as 24 hours.
Familiarize 你的self with the home buying process.
Having the right action plan can make buying a home a lot easier. Check out this helpful article with 8 tips for first-time home buyers.
年利率.
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5/5 ARM 初始利率为7.125%和4月 7.12%，可能会增加. 这 does not include property insurance and taxes. Payment example based on a 30-year term, 物业价值$550,000, 95% LTV, 单身家庭, 业主自住的. 利率 subject to change once every 5 years based on the weekly average of the 5-Year Constant Maturity Treasury (CMT) index rate as made available by the Federal Reserve Board, 加上2的余量.50%. Maximum adjustment cap 2% every 5 years and 5% over the life of the loan. 截至2023年12月28日的费率和条款.
- 5/5巨型臂 初始利率为7.125%和4月 6.998%，可能会增加. 这 does not include property insurance and taxes. Payment example based on a 30-year term, 物业价值$800,000, 95% LTV, 单身家庭, 业主自住的. 利率 subject to change once every 5 years based on the weekly average of the 5-Year Constant Maturity Treasury (CMT) index rate as made available by the Federal Reserve Board, 加上2的余量.50%. Maximum adjustment cap 2% every 5 years and 5% over the life of the loan. 截至2023年12月28日的费率和条款.
Don't be a stranger, we're 你的 neighbor
Have a question about 你的 account, applying for a loan or perhaps you're ready to talk refinancing? 无论你有什么问题或需要, our Member Service Center is always happily available to walk you through every step of the process with 你的 以最大利益为重.
