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!
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.
- Super Conforming/High Balance: Loan amounts over $548,250 to a maximum of $822,375
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.
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
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?
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.
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!”
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.
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.
当准备提交申请时，这里有一个 的文档列表 你手边需要有.
我已经向旧金山联邦储备银行和加州大学提供了2笔HELOC贷款. 与他们共事非常愉快:专业、反应迅速、细致周到. 我会把它们推荐给任何我对这个过程很满意的人威廉F.
最近我对申请个人贷款很感兴趣. [The] digital sales rep @ the Golden Gate branch responded to me promptly and was really helpful. After pre-qualifying me for a loan she helped me determine that a credit card (with a much lower interest rate) was the better option for me. I liked the fact that [she] steered me to an option that may be less income to the OD体育官网买球 but is a better choice for me personally. The whole process from my first contacting the OD体育官网买球 regarding a loan to getting the credit card took only 7 days.玛丽亚L.
最好的银行!!! 员工是如此乐于助人，让你觉得他们已经认识你很久了. I have never encountered a banking problem or situation that the SFFCU team hasn’t found a way to help solve! I wish there was a branch in San Jose but I’ve only had to travel to my actual branch about 5-6 times in my 25 years of being a member! 网上服务非常受欢迎!
“I joined many years ago…There’s nothing I don’t like about them…It’s like a family. And because they offer an exceptionally new and used vehicle buying program that includes motorboats [and] motorcycles. 他们善良体贴.”Rosalinda罗德里格斯
抵押贷款团队在锁定我的利率方面做得非常出色, 指示我及时取回我的文件, 并提前结束营业. 他们是一支伟大的球队，我对我的抵押贷款很满意! 特别感谢他们所做的一切!”安妮特B.
申请汽车贷款时，银行助理帮了大忙. Our loan Specialist was on vacation and he took over and processed our loan within a couple of hours. 我强烈推荐他们优秀的客户服务.Nadine B.
多么新鲜的空气啊!! Having considerate compassionate individuals that absolutely represent the needs of people. 请和我一起为银行合伙人起立鼓掌, who went above and beyond the call of duty using her professional approach to solve the problem. 谢谢，谢谢，谢谢!阿什利·E.
We have been a SFFCU member for over 40+ years and have always received good service from staff, 亲自和电话联系. 最近, we needed assistance with wiring funds to a title company with the lending institution giving us the “hurry up” mode. OD体育官网买球去了柏林盖姆分行，找到了分行经理. 我的天啊, they helped us tremendously in assisting us with the wiring info that the title company requested in an expeditious manner. 他们没有丢下OD体育官网买球不管. 他们一直和OD体育官网买球呆在一起，直到公司完全满意为止. 他们检查了OD体育官网买球与产权公司和贷方进行的每一步. 他们整个下午都在给OD体育官网买球打电话，发邮件，感觉就像一个星期. 全体员工帮助OD体育官网买球完成了明天的关门. 他们非常友好、快乐、有趣，而且精通金融. Check the Branch Manager out at the Burlingame Branch; you won’t be disappointed.刘若英 & 辛西娅
分行经理很了不起! Really helped me understand the situation I put myself in and gave me tips and advice for what to do and what not to do. Definitely knows what he is talking about and make sure you fuller understand and even when you don’t he will explain iy more in details and always asks , 如果你有任何问题.斯蒂芬妮·K.