旧金山联邦信贷联盟 has a variety of loan products to suit your needs. 不仅如此，你还可能有资格获得高达100%的融资!
当你买房子的时候, 抵押贷款者并不只看你的收入, 资产, 还有首付. 他们也会考虑你所有的负债和义务, 包括汽车贷款, 信用卡债务, 孩子的抚养费, 潜在的财产税和保险, 还有你的整体信用评级.
- 符合贷款限额:最高贷款金额$ 647200
- Super Conforming/High Balance: Loan amounts over $647,200 to a maximum of $970,800
花时间调查哪种抵押贷款适合你是明智的, 特别是必威体育官网最新版提供多种贷款产品，以满足您的需求. 无论你是购买新房还是对现有房屋进行再融资, 选择合适的贷款类型至关重要.
A great option for those planning to stay in their new home for a long time and who want to minimize the effects of rising interest rates on their mortgages. 旧金山联邦信贷联盟’s Conventional Fixed-率 mortgages give you the stability of fixed monthly payments for the life of the loan. In other words, your total monthly payment of principal and interest will remain the same over time.
必威体育官网最新版既提供符合标准的固定利率抵押贷款，也提供巨额固定利率抵押贷款. 湾区标准贷款的最高限额通常是647美元,200; for super conforming loans the limit is $970,800, 大额贷款是指金额超过970美元的贷款,800. 必威体育官网最新版提供:
巨额抵押贷款是指超过970美元的房屋贷款,800, 让你有机会在湾区购买高价住宅. 如果你有较低的债务收入比和较高的信用评分, 大额贷款可能适合你.
符合条件的贷款的上限是647美元,200, 但巨额抵押贷款可能超过这些限制, 上升到300万美元. And with skyrocketing housing prices in the Bay Area, most people need a jumbo loan.
- Credit history – Jumbo mortgages are usually available for borrowers with very good credit, 这通常意味着FICO分数在680或更高. There are also established guidelines for income and other personal financial information.
- Property appraisal – The property appraisal must support the purchase price for the home and the mortgage the borrower wants. The maximum loan amount will be based on the lesser of either the sales price or the appraised value
可调利率抵押贷款(ARM)在许多方面不同于固定利率抵押贷款. 最重要的是, 利率在ARM中周期性地变化, 通常与索引有关, 付款可能会相应地增加或减少. ARM利率可能有3年、5年、7年或10年的固定利率期. After the initial fixed-rate period, the interest rate and payment may change accordingly.
可调利率抵押贷款是固定利率和可变利率的混合体. 一般, fixed-rate interest is offered the first few years of the loan followed by variable rate interest after that. 因此, investors can expect to have varying payment amounts for the life of the loan as opposed to one consistent payment, 就像固定利率贷款一样.
The advantage of an adjustable-rate mortgage is that they carry lower interest rates during the fixed period of the loan. Plus, if you don’t plan to live in a home for 30 years, why borrow for 30 years to buy it?
An Interest-Only Adjustable 率 Mortgage (IO ARM) provides the features of an adjustable-rate mortgage (ARM) with the added benefit of significantly lower initial payments.
在最初的10年付款期间, 只支付每月的利息, 不需要支付本金. 在最初的10年之后, the loan converts to interest and principal payments that fully repay the loan amount over 30 years (amortization period). 这笔贷款的总贷款期限是40年.
而利息在初始阶段保持固定, 30年摊销期间的利率每年可能有所变化. The rate adjustments are subject to rate caps for each adjustment period and lifetime minimum and maximum interest rate caps for the loan.
旧金山联邦信贷联盟 has a home loan product that offers up to 100% financing on your dream home! Why pay ridiculous rent when you can buy your own home with the customizable POPPYLoan™, a game-changing solution to that woeful lament: “I don’t have enough money for a down payment!”
把旧贷款换成新的(更好的)!)一个. Whether you have an existing 旧金山联邦信贷联盟 loan or one with another lender, 必威体育官网最新版有可能帮你省钱的选择. 必威体育官网最新版提供固定利率和可调利率抵押贷款, with no pre-payment penalties and no Private Mortgage Insurance (PMI) or Upfront Mortgage Insurance Premium (UMIP) on many loans.
对于任何考虑对现有抵押贷款进行再融资的人, 请致电必威体育官网最新版有经验的抵押贷款顾问 800-852-7598, 2977分机.
必威体育官网最新版有住房贷款专家可用，使您的经验尽可能顺利. 打电话给必威体育官网最新版, 1-800-852-7598 x 2977 to speak to one of our knowledgeable and friendly mortgage professionals to answer any of your questions.
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我已经在旧金山联邦大学做了2笔HELOC贷款. 他们是很棒的合作伙伴:专业、积极、全面. 我会把它们推荐给任何我对这个过程很满意的人威廉F.
最近我想申请一笔个人贷款. [The] digital sales rep @ the Golden Gate branch responded to me promptly and was really helpful. After pre-qualifying me for a loan she helped me determine that a credit card (with a much lower interest rate) was the better option for me. I liked the fact that [she] steered me to an option that may be less income to the 必威体育官网最新版 but is a better choice for me personally. The whole process from my first contacting the 必威体育官网最新版 regarding a loan to getting the credit card took only 7 days.玛丽亚L.
旧金山联邦信贷联盟(SF Federal Credit Union)对我来说是一次很棒的银行业经历. 我当会员已经30多年了，从来没有过不好的经历.外祖母玛米.
最好的银行!!! 工作人员非常乐于助人，让你觉得他们永远都了解你. I have never encountered a banking problem or situation that the SFFCU team hasn’t found a way to help solve! I wish there was a branch in San Jose but I’ve only had to travel to my actual branch about 5-6 times in my 25 years of being a member! 在线服务非常受欢迎!
“I joined many years ago…There’s nothing I don’t like about them…It’s like a family. And because they offer an exceptionally new and used vehicle buying program that includes motorboats [and] motorcycles. 他们善良体贴.”Rosalinda罗德里格斯
抵押贷款团队在锁定我的利率方面非常出色, 告诉我要及时拿到文件, 提前关门. 他们是一个伟大的团队，我对我的抵押贷款很满意! 特别感谢他们所做的一切!”安妮特B.
申请汽车贷款时，银行合伙人帮了大忙. Our loan Specialist was on vacation and he took over and processed our loan within a couple of hours. 我强烈推荐他们的客户服务.Nadine B.
多么新鲜的空气啊!! Having considerate compassionate individuals that absolutely represent the needs of people. 请和我一起起立为世行助理表示热烈的欢迎, who went above and beyond the call of duty using her professional approach to solve the problem. 谢谢，谢谢，谢谢!阿什利·E.
We have been a SFFCU member for over 40+ years and have always received good service from staff, 亲自和通过电话联系. 最近, we needed assistance with wiring funds to a title company with the lending institution giving us the “hurry up” mode. 必威体育官网最新版去了伯林盖姆分行，找到了分行经理. 我的天啊, they helped us tremendously in assisting us with the wiring info that the title company requested in an expeditious manner. 他们没有把必威体育官网最新版晾在一边. 他们一直和必威体育官网最新版在一起，直到公司完全满意为止. 他们检查了必威体育官网最新版与产权公司和贷款人进行的每一步. 他们整个下午都在给必威体育官网最新版打电话，发邮件，感觉就像一个星期. 全体员工都帮必威体育官网最新版准备了明天的关门. 他们非常友好、快乐、有趣，而且精通金融. Check the Branch Manager out at the Burlingame Branch; you won’t be disappointed.刘若英 & 辛西娅
分公司经理太棒了! Really helped me understand the situation I put myself in and gave me tips and advice for what to do and what not to do. Definitely knows what he is talking about and make sure you fuller understand and even when you don’t he will explain iy more in details and always asks , 如果你有任何问题.斯蒂芬妮·K.