固定利率抵押贷款
可预测性满足可负担性. Our competitive, fixed-rate mortgages are all about peace of mind and long-term stability.
告别波动的汇率.
With a fixed-rate mortgage 你的 interest rate won't change— 不管经济中发生了什么.
固定利率按揭
| 合格/超合格固定利率 | 3%首付固定利率 | 术语BUSTER | 大型固定利率 | |
|---|---|---|---|---|
| 术语 | 157, 2010，或30年8 | 30年3 | 54, 75，或10年6 | 1511, 2012，或30年9 |
| 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 |
| 最低首付款 | 低至5%1 视贷款金额而定 | 下跌3% | 再融资 | 低至5%2 视贷款金额而定 |
| 交易类型 | 购买或再融资 | 购买 | 再融资 | 购买或再融资 |
| 财产的使用 | 业主自住，第二套住房，投资 | 业主占领 | 业主自住，第二套住房，投资 | 业主自住，第二套住房，投资 |
| 属性类型 | 单户，公寓，2-4单元 | 单户、共管公寓 | 单户，公寓，2-4单元 | 单户、共管公寓 |
| 抵押贷款保险 | 标准每月保费 | 标准每月保费 | 标准每月保费 | 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, $2,500 lender credit, Seller credit allowed | 0美元的自付期权 |
什么是固定利率按揭?
A fixed-rate mortgage is a type of home loan where the interest rate and payments remain the same for the life of the loan. Let's say you get a fixed-rate mortgage for 30 years. Your monthly payment will stay the same for the entire 30 years.8
韦德体育开户这很重要?? Well, let's imagine if the interest rate wasn't fixed. That would mean 你的 rate could go up or down and you wouldn't have much control over it. Your monthly mortgage payments could become unpredictable and possibly more costly if the interest rate goes up.
When should you consider a 固定利率 Mortgage?
Are you aspiring to own a home, lower 你的 current rate, or pay off 你的 mortgage ahead of schedule? A fixed-rate mortgage may be the right choice for you. You should consider a fixed-rate mortgage if you're not planning to sell 你的 home in the near future, or if you value stability and peace of mind in knowing that 你的 monthly payment will remain consistent over the life of 你的 loan.
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@vivendaoriente.com
Make an appointment when it's convenient for you.
A one-on-one call with a Mortgage Loan Officer can be extremely helpful. You can ask questions and even submit 你的 application over the phone.
Take the next step and apply for a home loan online.
It's easy to get started with our secure, mobile-friendly application. Plus, you can always save 你的 progress and pick up where you left off at a later time.
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@vivendaoriente.com
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.
- 30年, fixed-rate with an interest rate of 8.4月9日，625%.046%，月供5416美元.包括按揭保险. This does not include property insurance or taxes and assumes property value $700,000, 95% LTV, 单身家庭, 业主自住的, 信用评分740+.
- 30年, fixed-rate with an interest rate of 8.4月8日250%.648%，每月还款额9,730元.包括按揭保险. This does not include property insurance or taxes and assumes property value $1,300,000, 95% LTV, 单身家庭, 业主自住的, 信用评分740+.
- 下跌3% fixed-rate estimated monthly payments.
- 5-Year 术语Buster estimated monthly payments.
- 7-Year 术语Buster estimated monthly payments.
- 10-Year 术语Buster estimated monthly payments.
- 15-Year Conforming fixed-rate estimated monthly payments.
- 30-Year Conforming fixed-rate estimated monthly payments.
- 30-Year Jumbo fixed-rate estimated monthly payments.
- 20-Year Conforming fixed-rate estimated monthly payments.
- 15-Year Jumbo fixed-rate estimated monthly payments.
- 20-Year Jumbo fixed-rate estimated monthly payments.
别当陌生人，我们是你的邻居
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.
