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家购买

从低首付选择，到灵活的贷款计划和一对一的支持-我们将带您回家.

Competitive 利率

For fixed-or adjustable-rate loans

Advice and Guidance

From a 首页。 Loan Consultant

Open the door to homeownership

买房是你一生中最重要的财务决定之一. 我们知道你会有疑问，我们在这里为你提供答案.

Whether it’s your 第一个家无论是度假物业还是投资购买，我们都会帮助您实现.

收费低, flexible programs, and expert advice, we’ll work with you to help you find your place to call home.

首页。 sweet home loan benefits

Low rates, flexible options

固定—— adjustable-rate options and low 首付 programs

专家建议

Personalized advice and 指导 at each step – find your 首页。 Loan Consultant

首页。buyer resources

搜索物业，获得特别折扣和更多 主场优势

Fast and free pre-approvals

Make offers with confidence and learn more about getting 预先批准的 前期

Secure your rate in advance

Lock in your rate while you make offers on homes1

On-time closings

We consistently meet deadlines and close quickly

Purchase 固定 利率*

利率 Effective 12/22/2023

贷款项目

量

率

4月2
30年期固定 $50,000 to $766,550 6.375% 6.459%
30年期固定 (No Closing Costs, 3% Down) $50,000 to $766,550 6.875% 6.933%
20年的固定 $50,000 to $766,550 6.125% 6.232%
15年固定 $50,000 to $766,550 6.000% 6.132%
10年期固定 $50,000 to $766,550 5.750% 5.932%
30年期固定 Jumbo $766,551 to $2,500,000 7.375% 7.456%
15年固定 Jumbo $766,551 to $2,500,000 7.250% 7.378%

*与朋友交谈 首页。 Loan Consultant about FHA, VA and USDA rates.

Purchase Adjustable 利率

利率 Effective 12/22/2023

贷款项目

量

率

4月2

5/1 30-Year Adjustable3

 $50,000 to $766,550 6.625% 7.011%

5/5 30-Year Adjustable4

 $50,000 to $766,550 6.750% 6.385%

7/1 30-Year Adjustable3

 $50,000 to $766,550 6.500% 6.884%

10/1 30-Year Adjustable3

 $50,000 to $766,550 6.750% 6.963%

10/10 30-Year Adjustable5

 $50,000 to $766,550 6.875% 6.758%

5/1 30-Year Adjustable Jumbo3

 $766,551 to $2,500,000 6.250% 6.841%

5/5 30-Year Adjustable Jumbo4

 $766,551 to $2,500,000 6.375% 6.215%

7/1 30-Year Adjustable Jumbo3

 $766,551 to $2,500,000 6.125% 6.672%

10/1 30-Year Adjustable Jumbo3

 $766,551 to $2,500,000 6.250% 6.611%

10/10 30-Year Adjustable Jumbo5

 $766,551 to $2,500,000 6.375% 6.900%

Mortgage Calculator

How much home can I afford? (下图, “每月子女抚养费”是指按月支付的子女抚养费, not to income from child support.)

所提供的计算仅用于演示目的，并不保证所显示的利率和条款获得信贷批准.

Frequently Asked Questions

    We’ll guide you through this step. 我们建议先和我们的一位 首页。 Loan Consultants 第一个. They’ll ask you some questions about your goals, 首付 basics, 收入和更多信息来了解你可能符合的价格点. 获得每月付款和费用的实际金额和估计, you’ll want to apply and get 预先批准的.

    你的抵押贷款利率受到很多因素的影响, including your credit score, 首付, and the amount of your mortgage loan, among other factors. We encourage you to use our mortgage loan calculator 看看你的选择或说话的住房贷款顾问更准确的报价.

    这是一个常见的误解，你需要20%的首付买房子. 事实上，你可以用低至3%的首付买到一套房子，而且没有交易费用6. 我们提供了几个项目，旨在帮助人们更负担得起房屋所有权.
    以下是最常见的选择及其好处的概述:
    你应该意识到，如果你卖掉你的房子，你必须立即还清这类债务, 就像你必须偿还你的第一笔抵押贷款一样(如果你有的话). 此外，如果你不偿还贷款，你的房子可能会被取消赎回权. 那是因为你的房子是贷款的抵押品(担保).

    Down Payment Assistance Loan

    • Get up to $50,000 in assistance
    • Minimum $10,000 首付 from homeowner7
    • 首次置业者可享用(有一定收入限制)
    • Borrow up to $766,550

    3% Down First-Time Buyer Loan

    • 较低的首付款有助于保存现金和节省成交费用
    • 3% down with no closing costs6
    • Borrow up to $766,550

    5%首付贷款

    • 让你在一个较高的价格范围内购买一个房子，而仍然有较低的首付
    • 5% down and borrow up to $1 million8

    10% Down Piggyback Loan

    • 通过提供20%的首付款，帮助您最大限度地提高购买力
    • 下跌10% +较成交时获得的第二按揭(HELOC)下跌10%
    • Borrow up to $2 million
A trusted partner through it all

Buying a home is an exciting milestone, 但是有很多信息在那里，有时会让人感到不知所措. 有一个好的伴侣站在你这边会让一切变得不同.

Our 首页。 Loan Consultants are experts in their trade, and bring local expertise, 指导, and support throughout the entire process. 他们会回答你所有的问题，这样你就能充分了解情况，准备好迈出迈向新家的下一步.

Find a Consultant A trusted partner through it all
Lock in your rate while you shop for a home
利率 can change daily but yours doesn’t have to. Once you’re 预先批准的 and actively making offers on homes, we’ll honor your rate for up to 30 days1 -在你为合适的家购物时，给你时间和内心的平静.
了解更多 Lock in your rate while you shop for a home

购房 基础知识

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. 必须向帕特尔科申请住房贷款才能锁定利率吗. Patelco将在锁定之日起30天内兑现您的费率. 一旦收到一份完全执行的购买合同，在贷款资金到位之前，利率将优先执行.

2 4月 = Annual Percentage 率. 4月s are based on the following:

  • Conforming: Loan amount of $766,550 + closing costs
  • Jumbo: Loan amount of $1,500,000  + closing costs
  • 所显示的抵押贷款利率是基于30天的购买交易锁定

Conforming 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. 请使用 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. 利率, 条款, 条件, 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. 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.

3 该指数是将1年期美国国债按固定期限调整为1年的周平均值, as made available by the Federal Reserve. 根据初始利率，上限为每年2%，终身6%. The current index is 4.93%. Your rate may be different than what is shown.

4 该指数(对于5/5产品)是5年期美国国债调整为5年期固定期限的周平均值, as made available by the Federal Reserve. 上限为每次调整的2%和基于初始速率的5%寿命. The current index is 3.94%. Your rate may be different than what is shown.

5 该指数(用于10/10产品)是10年期美国国债调整为10年期固定期限的周平均值, as made available by the Federal Reserve. 上限为每次调整的3%和基于初始利率的6%. The current index is 3.93%. Your rate may be different than what is shown.

6 贷款 subject to credit and collateral approval. FHL银行旧金山中等收入首付援助计划并非在所有县都适用. Terms and 条件 are subject to change. 参加该计划并不能保证购房者收到资金.

7 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 保险, 税, 会员费, 帕特尔科不承担买方保单和转让税. 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.

8  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).

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