1 锁店计划只适用于首次按揭大额贷款购买交易. Must have a home loan application with Patelco to lock in a rate. Patelco will honor your rate up to 30 days from the date it is locked. 一旦收到一份完全执行的购买合同,在贷款资金到位之前,利率将以该利率为准.
2 APR = Annual Percentage Rate. APRs are based on the following:
- Conforming: Loan amount of $766,550 + closing costs
- High Balance: Loan amount of $1,000,000 + closing costs
- Jumbo: Loan amount of + closing costs
- 所显示的抵押贷款利率是基于30天的购买交易锁定
Rate shown at 60% loan-to-value (LTV), 自住购买,信用良好,无从属融资. 您的费率可能与显示的不同,在某些情况下会有价格调整. Please use the rate calculator 在我们的抵押贷款申请网站收到一个更好的估计您的情况.
High-Balance Mortgages allow for higher loan limits beyond the $766,550 conforming limit up to $1,000,000.由联邦金融局(FHFA)确定的高成本地区为00美元。. 这些更高的限制旨在使房价最高的地区更容易负担得起房屋所有权,这些地区的房价通常低于巨额抵押贷款.
3 Closing costs fees include applicable title, 托管和记录费用,并将出现在成交披露. 评估和信用报告费用将由会员预先支付,并在交易结束时偿还. Hazard Insurance, Taxes, HOA fees, Purchase Owner’s Policy and Transfer Tax are not covered by Patelco. 至少有一名借款人是首次购房者(在过去三年内没有房产所有权). 适用于购买单户住宅和30年固定贷款,最低FICO为740.
4 WISH program is not available in all counties. Loans subject to credit and collateral approval. Terms and conditions are subject to change. 参加WISH计划并不能保证购房者收到资金. The grant recipients must sign a Promissory Note, 信托契约和信托契约附加条款,将对标的财产设置留置权,留置权的数额将在该财产上保留五年. 借款人每保留该物业为主要居所的房屋所有权一年,所欠款额将减少20%. 只要购房者居住在该物业并遵守赠款条款,就无需支付赠款. 五(5)年后,授予被免除,财产的留置权被解除. 这是一种固定利率的贷款,在贷款期间每月固定支付本金和利息. Loan amounts available up to $766,550 on 1-unit properties. Mortgage insurance is required for loans exceeding 80% LTV. 适用最低信用评分和准备金要求,并可能影响可以借款的金额以及您符合资格的利率/年利率. Family income must not exceed 80% of the HUD Income Area Limits.
5 符合资格的贷款金额和95%的贷款价值比(LTV)适用于15年和30年固定巨额抵押贷款. 超过80% LTV的贷款需要抵押贷款保险(10%首付的“组合贷款”除外,最高200万美元), which are only available in CA).
Rates, terms, conditions, 可随时更改或取消,恕不另行通知. 此处的任何内容都不应被解释为提供或承诺贷款. Loans are subject to credit and property approval. Other conditions and restrictions may apply. Hazard insurance may be required. NMLS ID Number is 506373.