Make your home owning dream a reality with a 蒙特卡罗平台 adjustable rate mortgage.
Adjustable-rate mortgages are a hybrid of variable and fixed interest rates. Generally, 贷款的头几年提供固定的初始利率, 之后是可变利率. Therefore, 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 money for 30 years?
Difference between Adjustable-Rate Mortgage (ARM) Loans and Fixed-Rate Mortgage Loans
衍生工具在许多方面不同于固定利率抵押贷款. Most importantly, 对于ARM，利率定期调整, 通常与索引有关, 支付也会相应地上升或下降. ARM费率可以有一个固定的费率周期 three years, five years, seven years or 10 years . After the initial fixed rate period, the interest rate and payment may change accordingly.
我已经向旧金山联邦储备银行和加州大学提供了2笔HELOC贷款. 与他们共事非常愉快:专业、反应迅速、细致周到. 我会把它们推荐给任何我对这个过程很满意的人William F.
最近我对申请个人贷款很感兴趣. [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 蒙特卡罗平台 but is a better choice for me personally. The whole process from my first contacting the 蒙特卡罗平台 regarding a loan to getting the credit card took only 7 days.Maria L.
蒙特卡罗平台对我来说是一段很好的银行经历. 我是30多年的会员，从未有过不好的经历.Madelyn M.
Best Bank Ever!!! 员工是如此乐于助人，让你觉得他们已经认识你很久了. 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! 网上服务非常受欢迎!
“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 Rodriguez
抵押贷款团队在锁定我的利率方面做得非常出色, 指示我及时取回我的文件, 并提前结束营业. 他们是一支伟大的球队，我对我的抵押贷款很满意! 特别感谢他们所做的一切!”Annette B.
申请蒙特卡罗世界十大赌场时，银行助理帮了大忙. Our loan Specialist was on vacation and he took over and processed our loan within a couple of hours. 我强烈推荐他们优秀的客户服务.
多么新鲜的空气啊!! Having considerate compassionate individuals that absolutely represent the needs of people. 请和我一起为银行合伙人起立鼓掌, who went above and beyond the call of duty using her professional approach to solve the problem. 谢谢，谢谢，谢谢!
We have been a SFFCU member for over 40+ years and have always received good service from staff, 亲自和电话联系. Most recently, we needed assistance with wiring funds to a title company with the lending institution giving us the “hurry up” mode. 蒙特卡罗世界十大赌场去了柏林盖姆分行，找到了分行经理. My goodness, they helped us tremendously in assisting us with the wiring info that the title company requested in an expeditious manner. 他们没有丢下蒙特卡罗世界十大赌场不管. 他们一直和蒙特卡罗世界十大赌场呆在一起，直到公司完全满意为止. They checked on each step we were going through with the title company and lender. 他们整个下午都在给蒙特卡罗世界十大赌场打电话，发邮件，感觉就像一个星期. 全体员工帮助蒙特卡罗世界十大赌场完成了明天的关门. 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.Rene & Cynthia
Mortgage Loan FAQs
蒙特卡罗世界十大赌场的信贷员会考虑申请人的债务与收入比率, credit history, down payment, home price, and type of loan. Generally, 信用评分较高的申请人, lower overall debt, 有保障的收入可以获得较低的税率.
A: When you’re buying a home, mortgage lenders look at your income, assets, and down payment. 他们也会考虑你的责任和义务, 包括蒙特卡罗世界十大赌场, credit card debt, child support, 潜在的财产税和保险, 以及你的整体信用评级. 这些变量一起决定了贷款总额.
Using this calculator 会让你知道你可以获得多少抵押贷款. However, we welcome you to speak with one of our mortgage professionals who can help you consider all the variables to determine the right loan and loan amount for you.
答:抵押贷款指数利率每天都在变化 the Prime Rate, which the U.S. 美国联邦储备理事会(美联储,fed)的影响. From there, we determine what rate you qualify for by checking such things as your credit score, payment history, 和就业的历史. 你的财务状况越好，提供给你的利率就越低.
Q: What is the difference between a fixed-rate mortgage and an adjustable-rate mortgage?
A: A fixed-rate mortgage has an interest rate and monthly payment that never changes. An adjustable-rate mortgage (ARM) has an interest rate that changes based on the Prime Rate, 蒙特卡罗世界十大赌场之前提到过. The variable interest rate associated with an ARM means the monthly payments for that type of loan change with the changing interest rate.
查阅有关按揭贷款变数的资料, please contact us to speak to one of our knowledgeable mortgage team members at , extension 2977.
The interest rate, loan term, and balance when your loan is closed are how we determine your initial monthly payment of principal and interest.
让蒙特卡罗世界十大赌场以5/1 ARM为例. 你可以在360个月内还清贷款. As interest rates go up or down, your payments could change after 60 months. Then, following this period, your payments amount could change every 12 months.
其他因素也会影响你的月供, 取决于你税收的变化, assessments, and more.
对利率的改变是有限制的. 在第一次更改日期，它们的增加或减少不会超过2.000 percentage points from the initial interest rate (excluding any buydown).
After the initial adjustment period, your interest rate will not increase or decrease by more than 2.000 percentage points annually, and over the life of the loan, they cannot increase more than 6.000 percentage points above the initial interest rate (also excluding any buydown).
Notifications of adjustments come at least annually if there are any changes in interest rates. You’ll be notified in writing if an interest rate change also means a change to your monthly payments. 此书面通知将至少在25个日历日内发出, but not more than 120 calendar days before the payment is due at the new level.
您将看到调整后的付款金额, interest rate, Index value, 以及当时未偿还的贷款余额.
At 蒙特卡罗平台, we’re here to help you achieve your financial goals. Please see our helpful tools and resources or speak to one of our team members who are ready to support you on your journey to becoming a home buyer.
With the right mortgage, you’ll be one step closer to buying your dream property. Let 蒙特卡罗平台 help you find the perfect mortgage today.