房屋贷款
核磁测井416906
gpk电子游戏官网 has a variety of loan products to suit your needs. Not only that, but you may be eligible for up to 100% financing!
我能买得起多少房子?
当你买房子的时候, mortgage lenders don’t look just at your income, 资产, 还有首付. They look at all your liabilities and obligations as well, 包括汽车贷款, 信用卡债务, 孩子的抚养费, potential property taxes and insurance, 以及你的整体信用评级. 学会如何去做也是很聪明的 为你的新家做预算.
Definitions for Single Family Loan Amounts
- Conforming Loan Limits: Maximum loan amount $726,200
- Super Conforming/High Balance: Loan amounts over $726,200 to a maximum of $1,089,300
- Jumbo Loan Amounts: Loan amounts over $1,089,300
It’s smart to spend time investigating which mortgage is right for you, especially with the variety of loan products we offer to suit your needs. Whether you’re purchasing a new home or refinancing your existing home, selecting the right loan type is crucial.
Check out our expert home-buying ideas!
固定利率抵押贷款
A great option for those planning to stay in their new home for a long time and who want to minimize the effects of rising interest rates on their mortgages. gpk电子游戏官网’s Conventional Fixed-率 mortgages give you the stability of fixed monthly payments for the life of the loan. In other words, your total monthly payment of principal and interest will remain the same over time.
We offer both conforming and jumbo fixed-rate mortgages. The Bay Area maximum loan limit for conforming loans is usually $726,200; for super conforming loans the limit is $1,089,300, and jumbo loans are for amounts greater than $1,089,300. GPK电子游戏提供:
- 15- and 30-year terms with fixed monthly payments
- Fixed rates (payments stay the same through term)
- 提供巨额融资
- 可用的再融资方案
巨额抵押贷款
Get one of the lowest fixed-rate Jumbo Loans in the nation!
Jumbo mortgages are home loans that exceed amounts over $1,089,300, allowing you the opportunity to buy a high-priced home here in the Bay Area. If you have a lower debt-to-income ratio and a higher credit score, 一笔巨额贷款可能正适合你.
The limit on conforming loans is $726,200, but jumbo mortgages can exceed these limits, 涨到300万美元. And with skyrocketing housing prices in the Bay Area, most people need a jumbo loan.
- Credit history – Jumbo mortgages are usually available for borrowers with very good credit, which generally means a FICO score of 680 or higher. There are also established guidelines for income and other personal financial information.
- Property appraisal – The property appraisal must support the purchase price for the home and the mortgage the borrower wants. The maximum loan amount will be based on the lesser of either the sales price or the appraised value
可调利率按揭
An adjustable-rate mortgage (ARM) differs from a fixed rate mortgage in many ways. 最重要的是, the interest rate changes periodically with an ARM, 通常与索引有关, and payments may go up or down accordingly. ARM rates may have a fixed rate period of three, five, seven, or 10 years. After the initial fixed-rate period, the interest rate and payment may change accordingly.
Adjustable rate mortgages are a hybrid of fixed and variable rates. 一般, fixed rate interest is offered the first few years of the loan followed by variable rate interest after that. 因此, investors can expect to have varying payment amounts for the life of the loan as opposed to one consistent payment, 和固定利率贷款一样.
The advantage of an adjustable-rate mortgage is that they carry lower interest rates during the fixed period of the loan, which will in turn give you the opportunity for a lower initial monthly payment.
Interest Only Adjustable 率 Mortgage (IO ARMs)
An interest-only adjustable-rate mortgage (IO ARM) provides the features of an adjustable-rate mortgage (ARM) with the added benefit of significantly lower initial payments.
During the initial 10-year payment period, payments are for the monthly interest only, 不需要支付本金. Following the initial 10-year period, the loan converts to interest and principal payments that fully repay the loan amount over 30 years (amortization period). The total loan term for this loan is 40 years.
While the interest remains fixed in the initial period, the interest rate during the 30-year amortization period may vary annually. The rate adjustments are subject to rate caps for each adjustment period and lifetime minimum and maximum interest rate caps for the loan.
POPPYLoans
gpk电子游戏官网 has a home loan product that offers up to 100% financing on your dream home! Why pay ridiculous rent when you can buy your own home with the customizable POPPYLoan™, a game-changing solution to that woeful lament: “I don’t have enough money for a down payment!”
为你的房屋再融资
Swap out your old loan for a new (and better!)一个. Whether you have an existing gpk电子游戏官网 loan or one with another lender, we have options that may save you money. We offer both fixed-rate and adjustable-rate mortgages (ARMs), with no pre-payment penalties and no private mortgage insurance (PMI) or upfront mortgage insurance premium (UMIP) on many loans.
房屋贷款利率
| 类型 | 率 | 4月 | 点 |
|---|---|---|---|
| Conforming 30 Year Fixed 率 Loan | 6.375% | 6.474% | 0.000% |
| Conforming 15 Year Fixed 率 Loan | 5.625% | 5.776% | 0.000% |
| Jumbo 5/1 Adjustable 率 Mortgage | 6.500% | 7.391% | 0.000% |
| Jumbo 10/1 Adjustable 率 Mortgage | 6.500% | 7.032% | 0.000% |
| Jumbo Interest-Only 10/1 Adjustable 率 Mortgage | 6.750% | 7.278% | 0.000% |
最后更新日期:2024年10月5日
| 类型 | 率 | 4月 | 点 |
|---|---|---|---|
| HELOC 10/20 | 8.500% | 8.500% | 0.000% |
| 10年期房屋净值贷款 | 9.375% | 9.375% | 0.000% |
最后更新日期:2024年10月5日
GPK电子游戏
We have home loan experts available to make your experience as smooth as possible. 请致电 1-800-852-7598 x 2977 to speak to one of our knowledgeable and friendly mortgage professionals to answer any of your questions.
房屋贷款文件核对表
When getting ready to submit an application, here’s a 文件清单 你需要手头有.