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有了固定利率抵押贷款,你的利率不会改变— no matter what happens in the economy.
CONFORMING/SUPER CONFORMING FIXED-RATE | 3% DOWN FIXED-RATE | 术语BUSTER | JUMBO FIXED-RATE | |
---|---|---|---|---|
术语 | 157, 2010, or 30-year8 | 30-year3 | 54, 75, or 10-year6 | 1511, 2012, or 30-year9 |
MAXIMUM LOAN AMOUNT (1-UNIT, SAN DIEGO) | $1,006,250 | $766,550 | $1,006,250 | $2,250,000 |
MAXIMUM LOAN AMOUNT (4-UNIT, SAN DIEGO) | $1,935,150 | N/A | N/A | N/A |
MINIMUM DOWN PAYMENT | As low as 5%1 depending on loan amount | 下跌3% | Refinance only | As low as 5%2 depending on loan amount |
TRANSACTION TYPE | Purchase or Refinance | Purchase | Refinance | Purchase or Refinance |
PROPERTY USE | Owner occupied, 2nd home, Investment | Owner occupied | Owner occupied, 2nd home, Investment | Owner occupied, 2nd home, Investment |
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 |
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.
术语 | 率 | 4月 | 点 |
---|---|---|---|
下跌3%³ | 7.500% | 8.012% | 0.250% |
5-Year 术语Buster⁴ | 5.950% | 5.951% | 0.000% |
7-Year 术语Buster⁵ | 6.125% | 6.126% | 0.000% |
10-Year 术语buster⁶ | 6.250% | 6.251% | 0.000% |
15-Year Conforming⁷ | 6.500% | 6.668% | 0.250% |
30-Year Conforming⁸ | 6.875% | 6.980% | 0.250% |
30-Year Jumbo⁹ | 6.875% | 6.957% | 0.250% |
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@9cyl.com
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@9cyl.com
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.
4月= Annual Percentage 率.
对你的账户有疑问,申请贷款,或者你准备讨论再融资? Whatever 你的 question or need, 我们的会员服务中心随时恭候您的光临 你的 best interest at heart.
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ABA/Routing No: 322281578
NMLS ID# 407951