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Adjustable-rate mortgages often come with a lower initial interest rate than that of a comparable fixed-rate mortgage.
符合/超符合臂 | 下跌0% | 巨型手臂 | |
---|---|---|---|
术语 | 5/54, 5/15 , or 7/16 | 7/13 | 5/57, 5/18, or 7/19 |
MAXIMUM LOAN AMOUNT (1-UNIT, SAN DIEGO) | $1,006,250 | $766,550 | $2,250,000 |
MAXIMUM LOAN AMOUNT (4-UNIT, SAN DIEGO) | $1,935,150 (consult a Mortgage Loan Officer) | N/A | N/A |
最低首付款 | 低至5%1 视贷款金额而定 | 下跌0%3 | 低至5%2 视贷款金额而定 |
交易类型 | 购买或再融资 | 购买 | 购买或再融资 |
财产的使用 | 业主占用,第二个家, Investment | 业主占领 | 业主占用,第二个家 |
属性类型 | 单户,公寓,2-4单元 | 单户、共管公寓 | 单户、共管公寓 |
抵押贷款保险 | 标准每月保费 | 标准每月保费 or No mortgage insurance | 标准每月保费 |
贷款人结算费用 | 0美元的自付期权 | 0美元的自付期权 | 0美元的自付期权 |
An adjustable-rate mortgage is a home loan with a variable rate and payment. ARM loans start with an initial interest rate that is typically lower than that of a comparable fixed-rate mortgage. The initial low interest rate is fixed for a period of time, after that the rate adjusts periodically. 这 means after the initial fixed-rate period 你的 monthly payment could go up or down, 视市场情况而定.
The primary advantage to an adjustable rate mortgage is that typically you'll get a lower initial rate and payment than that of a comparable fixed-rate mortgage. A lower initial rate could save you money on interest payments. You should consider an ARM loan if you:
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年利率.
5/5 ARM 初始利率为7.125%和4月 7.12%,可能会增加. 这 does not include property insurance and taxes. Payment example based on a 30-year term, 物业价值$550,000, 95% LTV, 单身家庭, 业主自住的. 利率 subject to change once every 5 years based on the weekly average of the 5-Year Constant Maturity Treasury (CMT) index rate as made available by the Federal Reserve Board, 加上2的余量.50%. Maximum adjustment cap 2% every 5 years and 5% over the life of the loan. 截至2023年12月28日的费率和条款.
Have a question about 你的 account, applying for a loan or perhaps you're ready to talk refinancing? 无论你有什么问题或需要, our Member Service Center is always happily available to walk you through every step of the process with 你的 以最大利益为重.