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浮动利率抵押贷款的初始利率通常低于可比的固定利率抵押贷款.
CONFORMING/SUPER CONFORMING ARM | 0% DOWN | JUMBO ARM | |
---|---|---|---|
TERM | 5/54, 5/15 , or 7/16 | 7/13 | 5/57, 5/18, or 7/19 |
最高贷款额(1个单位,圣地亚哥) | $1,006,250 | $766,550 | $2,250,000 |
最高贷款额(4个单位,圣地亚哥) | $1,935,150(谘询按揭贷款主任) | N/A | N/A |
MINIMUM DOWN PAYMENT | As low as 5%1 depending on loan amount | 0% Down3 | As low as 5%2 depending on loan amount |
TRANSACTION TYPE | Purchase or Refinance | Purchase | Purchase or Refinance |
PROPERTY USE | 业主自住,第二套住房,投资 | Owner occupied | Owner occupied, 2nd home |
PROPERTY TYPE | Single family, Condo, 2-4 Unit | Single family, Condo | Single family, Condo |
MORTGAGE INSURANCE | Standard monthly premium | 标准月保费或无按揭保险 | Standard monthly premium |
LENDER CLOSING COSTS | $0 out of pocket options | $0 out of pocket options | $0 out of pocket options |
可调利率抵押贷款是一种具有可变利率和付款方式的住房贷款. ARM贷款的初始利率通常低于可比的固定利率抵押贷款. 最初的低利率在一段时间内是固定的, 此后,利率定期调整. 这意味着在最初的固定利率期之后,你的月供可能会上升或下降, depending on market conditions.
可调利率抵押贷款的主要优势是,通常你会得到一个较低的初始利率和付款比可比的固定利率抵押贷款. 较低的初始利率可以节省你支付利息的钱. 你应该考虑ARM贷款,如果你:
Term | Rate | APR | Points |
---|---|---|---|
5/5 ARM⁴ | 6.500% | 6.726% | 0.000% |
5/1 ARM⁵ | 6.500% | 7.384% | 0.000% |
7/1 ARM⁶ | 6.875% | 7.419% | 0.000% |
5/5 Jumbo ARM⁷ | 6.500% | 6.704% | 0.000% |
5/1 Jumbo ARM⁸ | 6.500% | 7.361% | 0.000% |
7/1 Jumbo ARM⁹ | 6.875% | 7.397% | 0.000% |
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@bigjonbear.com
APR= Annual Percentage Rate.
5/5 ARM,初始利率为7.125% and APR 7.012%, subject to increase. This 不包括财产保险和税金吗. 基于30年期限的付款示例, property value $550,000, 95% LTV, single family, owner-occupied. 根据联邦储备委员会提供的5年期固定期限国债(CMT)指数利率的周平均值,每5年变动一次的利率, plus a margin of 2.50%. 最高调整上限为每5年2%及在贷款期限内5%. Rates and terms as of 12/28/2023.
对你的账户有疑问,申请贷款,或者你准备讨论再融资? Whatever your question or need, 我们的会员服务中心随时恭候您的光临 your best interest at heart.
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ABA/Routing No: 322281578
NMLS ID# 407951