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.

Mortgage Rates 

看看蒙特卡罗世界十大赌场所有的按揭产品的按揭利率.

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Mortgage Loan FAQs

问:哪些因素可以帮助我获得最低的抵押贷款利率?

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. 

问:我能负担多少住房贷款? 

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. 

问:按揭贷款的利率是如何决定的?

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.

问:可变利率抵押贷款如何确定还款?

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).

问:如何通知我任何调整?

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.

抵押贷款资源

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.

在蒙特卡罗平台获得符合您需求的抵押贷款 

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.

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