Buying a home is one of the biggest financial decisions you’ll make in your lifetime. We understand you’ll have questions and we’re here to provide answers.
无论是你的 第一个家, a vacation property or an investment purchase, we’ll help you get there.
收费低, 灵活的程序, 以及专家建议, we’ll work with you to help you find your place to call home.
Personalized advice and 指导 at each step – find your 首页 Loan Consultant
Search for properties, receive special discounts and more with 主场优势
Make offers with confidence and learn more about getting 预先批准的 前期
Lock in your rate while you make offers on homes1
We consistently meet deadlines and close quickly
利率 Effective 05/17/2024
|
贷款项目 |
量 |
率 |
4月2 |
|---|---|---|---|
| 30年期固定 | $50,000 to $766,550 | 6.875% | 6.966% |
| 30年期固定 (No Closing Costs, 3% Down)6 | $50,000 to $766,550 | 7.375% | 7.439% |
| 20年的固定 | $50,000 to $766,550 | 6.375% | 6.486% |
| 15年固定 | $50,000 to $766,550 | 6.375% | 6.514% |
| 10年期固定 | $50,000 to $766,550 | 6.000% | 6.187% |
| 30年期固定 High Balance | $766,551 to $1,149,825 | 7.125% | 7.211% |
| 15年固定 High Balance | $766,551 to $1,149,825 | 7.250% | 7.392% |
| 15年固定Jumbo | $766,551 to $2,500,000 | 7.125% | 7.251% |
| 30年固定Jumbo | $766,551 to $2,500,000 | 6.750% | 6.823% |
*与朋友交谈 首页 Loan Consultant about FHA, VA and USDA rates.
利率 Effective 05/17/2024
|
贷款项目 |
量 |
率 |
4月2 |
|---|---|---|---|
|
5/1 30-Year Adjustable3 |
$50,000 to $766,550 | 6.500% | 7.107% |
|
5/5 30-Year Adjustable4 |
$50,000 to $766,550 | 6.625% | 6.561% |
|
7/1 30-Year Adjustable3 |
$50,000 to $766,550 | 6.500% | 7.002% |
|
10/1 30-Year Adjustable3 |
$50,000 to $766,550 | 6.625% | 6.960% |
|
10/10 30-Year Adjustable5 |
$50,000 to $766,550 | 6.750% | 6.839% |
|
5/1 30-Year Adjustable Jumbo3 |
$766,551 to $2,500,000 | 6.500% | 7.091% |
|
5/5 30-Year Adjustable Jumbo4 |
$766,551 to $2,500,000 | 6.625% | 6.546% |
|
7/1 30-Year Adjustable Jumbo3 |
$766,551 to $2,500,000 | 6.500% | 6.986% |
|
10/1 30-Year Adjustable Jumbo3 |
$766,551 to $2,500,000 | 6.625% | 6.944% |
|
10/10 30-Year Adjustable Jumbo5 |
$766,551 to $2,500,000 | 6.750% | 7.231% |
How much home can I afford? (下图, “Monthly child support payments” refers to child support payments made as a monthly expense, not to income from child support.)
Calculations provided are for demonstration purposes only and do not guarantee credit approval for the rate and 条款 displayed.
We’ll guide you through this step. We recommend having a preliminary conversation with one of our 首页 Loan Consultants 第一个. They’ll ask you some questions about your goals, 首付款基础, income and more to get an idea at what price point you may qualify for. To get an actual amount and estimate of your monthly payments and costs, you’ll want to apply and get 预先批准的.
Your mortgage loan’s interest rate is affected by a variety of things, including your credit score, 首付, and the amount of your mortgage loan, 除其他因素外. We encourage you to use our mortgage loan calculator to see your options or speak to a 首页 Loan Consultant for a more accurate quote.
It’s a common misconception that you need a 20% 首付 to buy a home. In fact, you can get into a home with a 首付 as low as 3% and no closing costs6. We offer several programs designed to help make homeownership more affordable.
Here’s an overview of the most common options and their benefits:
You should be aware that you must immediately pay off this type of debt if you sell your home, just like you must pay off your 第一个 mortgage (if you have one). Additionally, your home could be foreclosed if you don’t pay the loan. That’s because your home is the collateral (the guarantee) for the loan.
Down Payment Assistance Loan
3% Down First-Time Buyer Loan
5%首付贷款
10% Down Piggyback Loan
Buying a home is an exciting milestone, but there’s a lot of information out there and it can feel overwhelming at times. Having a good partner on your side can make all the difference.
Our 首页 Loan Consultants are experts in their trade, and bring local expertise, 指导, and support throughout the entire process. They’ll answer all of your questions so you’re well-informed and ready to take the next step toward your new home.
Learn more from our well-being resources.
1 Lock and Shop program is available for 第一个 (1st) mortgage Jumbo loan purchase transactions only. 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. Once a fully-executed purchase contract is received, the rate will prevail until loan funding.
2 4月 = Annual Percentage 率. 4月s are based on the following:
Conforming rate shown at 60% loan-to-value (LTV), owner-occupied purchase with excellent credit and no subordinate financing. Your rate may be different than what is shown, there are pricing adjustments on certain scenarios. 请使用 利率计算器 on our mortgage application site to receive a better estimate for your scenario. 利率, 条款, 条件, and availability are subject to change or withdrawal at any time and without notice. Nothing herein is or should be interpreted as an offer or commitment to lend. 贷款 are subject to credit and property approval. Other 条件 and restrictions may apply. Hazard insurance may be required. NMLS ID Number is 506373.
High-Balance Mortgages allow for higher loan limits beyond the $766,550 conforming limit up to $1,000,000.00 for high-cost areas as determined by the Federal Finance Agency (FHFA). These higher limits are designed to make homeownership more affordable in areas with the highest home prices and are typically priced below jumbo mortgage loan.
3 The index is the weekly average of the 1-year US Treasury securities adjusted to constant maturity of one year, as made available by the Federal Reserve. The caps are 2% annually and 6% lifetime based on the initial rate. The current index is 5.09%. Your rate may be different than what is shown.
4 The index (for 5/5 product) is the weekly average of the 5-year US Treasury securities adjusted to constant maturity of five years, as made available by the Federal Reserve. The caps are 2% every adjustment and 5% lifetime based on the initial rate. The current index is 4.35%. Your rate may be different than what is shown.
5 The index (for 10/10 product) is the weekly average of the 10-year US Treasury securities adjusted to constant maturity of ten years, as made available by the Federal Reserve. The caps are 3% every adjustment and 6% lifetime based on the initial rate. The current index is 4.34%. Your rate may be different than what is shown.
6 Closing costs fees covered by Patelco include applicable title, escrow and recording cost fees and will appear on the Closing Disclosure. The appraisal and credit report fee will be paid up-front by the member and reimbursed at closing. 风险保险, 税, 会员费, Purchase Owner’s Policy, Transfer Tax and Mortgage 保险 (if applicable) are not covered by Patelco. 贷款 subject to credit and collateral approval. 贷款 over 80% LTV require mortgage insurance.
7 At least one borrower is a 第一个-time home buyer (had no ownership interest in a property in the last three years). Applicable on the purchase of a single-family residence and 30-year fixed conforming loans with minimum 740 FICO. FHL Bank San Francisco Middle-Income Down Payment assistance program is not available in all counties. Terms and 条件 are subject to change. 招收ment in the program is not a guarantee to the homebuyer of receipt of funds.
8 Eligible for conforming loan amounts and 95% loan-to-value (LTV) available on 15—— 30-year fixed jumbo mortgages only. 贷款 over 80% LTV require mortgage insurance.
