Fixed-Rate 抵押贷款 | Adjustable Rate 抵押贷款 | First-Time 首页buyer Program | FHA贷款 | Jumbo 抵押贷款 | Single-Close Construction Loan | 土地贷款 | VA贷款 | 美国农业部的贷款 | |
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马上申请 | 马上申请 | 马上申请 | 马上申请 | 马上申请 | 马上申请 | 马上申请 | 马上申请 | 马上申请 | |
关键好处 |
Predictable payments No interest-rate surprises |
Lowest short-term rates Initial lower monthly payments |
Low down payment No mortgage insurance |
Low down payment Government-backed |
Loan for higher-priced properties1 No mortgage insurance |
One closing, one loan2 |
Keeps your land and home loans separate |
No down payment No mortgage insurance |
No down payment |
A Good Option If You |
Want your rate and payments to stay same for life of loan Plan to stay in your home for several years |
Are comfortable with rate and payments fixed at first, then adjusting later Don't plan to stay in the home long |
Do not have a substantial down payment saved Have not owned a house in the past three years |
Do not have a substantial down payment saved Have less than perfect credit or limited credit history |
Want to avoid two or more loans for a home purchase up to $1 million Have established credit history |
Want one loan that covers new home construction and then converts to standard mortgage |
Are buying a lot for a future home |
Are an American veteran, current military, reservist, or surviving spouse |
Are purchasing a property in a rural area Meet income restrictions for your county |
Available Loan Terms |
购买 & 再融资: 5, 7, 10, 15, 20, and 30年 |
购买 & 再融资: 5/5 ARM 30 year and 7/6 ARM 30 year. Please call for information about other ARM products and terms. |
15, 20, and 30 year fixed 5/5 ARM and 7/6 ARM |
购买 & 再融资: 15 and 30年 |
Fixed and adjustable rate options |
12-month construction term |
1 year maximum |
购买 & 再融资: 15 and 30年 |
购买: 30年 |
Interest Rate As Low As |
购买:6.500% for 15-Year Fixed 再融资: 6.875% for 15-Year Fixed |
采购:7.500% for 3/6 ARM 30-Year 再融资:8.000% for 3/6 ARM 30-Year |
7.250% for 15-Year Fixed 8.125% for 7/6 ARM 30-Year |
购买:6.250% for 30-Year Fixed 再融资: 6.250% for 30-Year Fixed |
利记 for Options | 利记 for Options | 利记 for Options |
购买:6.250% for 30-Year Fixed 再融资: 6.250% for 30-Year Fixed |
购买:6.250% for 30-Year Fixed |
APR As Low As |
购买:6.566% for 15-Year Fixed3 再融资: 6.941% for 15-Year Fixed3 |
采购:8.175% for 3/6 ARM 30-Year4 再融资:8.314% for 3/6 ARM 30-Year4 |
7.310% for 15-Year Fixed5 8.277% for 7/6 ARM 30-Year4 |
采购:7.008% for 30-Year Fixed6 再融资:7.008% for 30-Year Fixed7 |
利记 for Options | 利记 for Options | 利记 for Options |
购买:6.472% for 30-Year Fixed8 再融资: 6.474% for 30-Year Fixed9 |
购买:6.730% for 30-Year Fixed10 |
没有点 | — | — | — | — | |||||
No 抵押贷款 保险 (PMI) | — | — | — | — | — | — | |||
首付 | As low as 5% of purchase price | As low as 10% of purchase price | As low as 5% of purchase price | 低至3.5% of purchase price | Varies based on loan terms chosen | As low as 10% of purchase price | 20% or more of lot value | $0 | $0 |
贷款限制 | — | — |
Up to $450,000 |
— |
Up to $1 million |
Up to $1 million |
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Special Feature | — | — | — | 回来ed by the Federal Housing Administration (FHA) | — | — | — | Guaranteed by the U.S. Department of Veterans Affairs (VA) | Offered by the U.S. Department of Agriculture (USDA) |
马上申请 | 马上申请 | 马上申请 | 马上申请 | 马上申请 | 马上申请 | 马上申请 | 马上申请 | 马上申请 |
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