房屋贷款

贷款的特点

  • 巨额抵押贷款-高达300万美元
  • PoppyLoan™-高达100%的融资
  • 固定及可调利率抵押贷款
  • 房屋净值信用额度(HELOC)低至4.4月* 00%
  • 10年期利息仅为10/1 ARM

OD体育app买球 has a variety of loan products to suit your needs. 不仅如此,你还可能有资格获得100%的融资!

我能买得起多少房子?

当你买房子的时候, 抵押贷款机构不只是看你的收入, 资产, 还有可用的首付. 他们也会看你所有的负债和义务, 包括汽车贷款, 信用卡债务, 孩子的抚养费, 潜在的财产税和保险, 以及你的整体信用评级.

单一家庭贷款金额的定义 

  • 合格贷款限额:最高贷款金额$548,250
  • Super Conforming/High Balance: Loan amounts over $548,250 to a maximum of $822,375
  • 大额贷款:贷款金额超过822375美元

花时间研究哪种按揭适合你是明智的, 特别是OD体育官网买球提供各种各样的贷款产品,以满足您的需求. 无论你是购买新房还是为现有住房再融资, 选择合适的贷款类型至关重要.

看看OD体育官网买球专家的购房想法吧!

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. OD体育app买球’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.

OD体育官网买球提供符合标准的和大额固定利率抵押贷款. 湾区符合标准的贷款的最高限额通常是548美元,250; for super conforming loans the limit is $822,375, 大额贷款的金额超过822美元,375. OD体育官网买球提供:

  • 15- 30年期,每月固定付款
  • 固定利率(付款在整个期限内保持不变)
  • 大型资金
  • 再融资选择

巨额抵押贷款

获得全国最低固定利率的大额贷款之一!

大额抵押贷款是指数额超过822美元的住房贷款,375, 让你有机会在湾区买一套高价的房子. 如果你的债务收入比较低,信用评分较高, 大额贷款可能适合你.

合格贷款的限额是548美元,250, 但大额抵押贷款可能超过这些限制, 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, 这通常意味着FICO评分在680分或更高. 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(ARMs)

可调利率抵押贷款(ARM)在许多方面不同于固定利率抵押贷款. 最重要的是, 利率随ARM周期性变化, 通常与索引有关, 支付也会相应地上升或下降. ARM利率可能有3年、5年、7年或10年的固定利率期. After the initial fixed-rate period, the interest rate and payment may change accordingly.

可调利率抵押贷款是固定利率和可变利率的混合. 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, 就像固定利率贷款一样.

The advantage of an adjustable-rate mortgage is that they carry lower interest rates during the fixed period of the loan. Plus, if you don’t plan to live in a home for 30 years, why borrow for 30 years to buy it?

只付利息的可调利率按揭(IO分支)

An Interest-Only Adjustable 率 Mortgage (IO ARM) provides the features of an adjustable-rate mortgage (ARM) with the added benefit of significantly lower initial payments.

在最初的10年付款期间, 付款只用于每月的利息, 无需支付本金. 在最初的10年期间之后, the loan converts to interest and principal payments that fully repay the loan amount over 30 years (amortization period). 这笔贷款的总贷款期限是40年.

而利息在初期是固定的, 利率在30年的摊销期间可能每年变化. The rate adjustments are subject to rate caps for each adjustment period and lifetime minimum and maximum interest rate caps for the loan.

POPPYLoans

OD体育app买球 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!”

再融资你的家

把你的旧贷款换成新的(更好的)!)一个. Whether you have an existing OD体育app买球 loan or one with another lender, OD体育官网买球有一些可以为您省钱的选择. OD体育官网买球提供固定利率和可调利率抵押贷款。, with no pre-payment penalties and no Private Mortgage Insurance (PMI) or Upfront Mortgage Insurance Premium (UMIP) on many loans.

任何考虑再融资现有抵押贷款的人, 请致电OD体育官网买球的一位经验丰富的抵押贷款顾问 , 2977分机.

住房贷款利率

第一抵押贷款
类型4月
符合手臂5/13.000%3.038%0.000%
符合手臂10/12.500%2.738%0.000%
符合30年固定期限3.000%3.058%0.000%
符合15年固定期限2.750%2.852%0.000%
10年期利息仅为10/1 ARM2.750%2.919%0.000%

最后更新:12/08/2021

房屋净值
类型4月
HELOC 10/204.000%4.000%0.000%
10年房屋净值贷款4.500%4.500%0.000%

最后更新:08/27/2021

OD体育官网买球

OD体育官网买球有住房贷款专家可用,使您的经验尽可能顺利. 打电话给OD体育官网买球, 1- x 2977 to speak to one of our knowledgeable and friendly mortgage professionals to answer any of your questions.

居所贷款文件核对表

当准备提交申请时,这里有一个 的文档列表 你手边需要有.

成员评论

滚动到顶部