Fixed-Rate Mortgages
Predictability meets affordability. 我们有竞争力的固定利率抵押贷款都是为了让你安心和长期稳定.
Wave goodbye to fluctuating rates.
有了固定利率抵押贷款，你的利率不会改变— 不管经济中发生了什么.
Fixed-Rate Mortgage Features
| 合格/超合格固定利率 | 3% DOWN FIXED-RATE | TERMBUSTER | JUMBO FIXED-RATE | |
|---|---|---|---|---|
| TERM | 157, 2010, or 30-year8 | 30-year3 | 54, 75, or 10-year6 | 1511, 2012, or 30-year9 |
| 最高贷款额(1个单位，圣地亚哥) | $1,006,250 | $766,550 | $1,006,250 | $2,250,000 |
| 最高贷款额(4个单位，圣地亚哥) | $1,935,150 | N/A | N/A | N/A |
| MINIMUM DOWN PAYMENT | As low as 5%1 depending on loan amount | 3% Down | Refinance only | As low as 5%2 depending on loan amount |
| TRANSACTION TYPE | Purchase or Refinance | Purchase | Refinance | Purchase or Refinance |
| PROPERTY USE | Owner occupied, 2nd home, Investment | Owner occupied | Owner occupied, 2nd home, Investment | Owner occupied, 2nd home, Investment |
| PROPERTY TYPE | Single family, Condo, 2-4 unit | Single family, Condo | Single family, Condo, 2-4 unit | Single family, Condo |
| MORTGAGE INSURANCE | Standard monthly premium | Standard monthly premium | Standard monthly premium | Standard monthly premium |
| LENDER CLOSING COSTS | $0 out of pocket options | $0 out of pocket options | 0美元自付期权，2500美元贷方信用，允许卖方信用 | $0 out of pocket options |
What is a Fixed-Rate Mortgage?
固定利率抵押贷款是一种住房贷款，其利率和付款在贷款期限内保持不变. 假设你有一笔30年的固定利率抵押贷款. 你的月供将在整个30年内保持不变.8
Why is this important? 让我们想象一下，如果利率不固定. 这就意味着你的利率可以上升或下降，你对它没有太多的控制. 如果利率上升，你每月的抵押贷款支付可能会变得不可预测，而且可能会更加昂贵.
什么时候应该考虑固定利率按揭?
你是否渴望拥有一个房子，降低你目前的利率，或者提前还清你的抵押贷款? 固定利率抵押贷款对你来说可能是正确的选择. 如果你不打算在不久的将来卖掉你的房子，你应该考虑固定利率的抵押贷款, 或者如果你看重稳定和内心的平静，因为你知道你的月供将在你的贷款期间保持一致.
Today's Rates: Fixed-Rate Mortgages
与抵押贷款官一起审查您的选择.
回答几个问题，房屋贷款专家会伸出手来帮助你.
Home Loan Resources
打电话或发电子邮件与抵押贷款官员联系.
我们友好的住房贷款专家在这里提供帮助!
(858) 636-3045 Mon-Fri, 9am - 4pm
realestateloanofficer@carlatitude.com
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熟悉买房的过程.
有了正确的行动计划，买房子就容易多了. 看看这篇对首次购房者有帮助的8条建议.
APR= Annual Percentage Rate.
- 30年期，固定利率，利率为8.625%, APR 9.046% and monthly payments of $5,416.13 inclusive of mortgage insurance. 这不包括财产保险或税收，并假设财产价值700美元,000, 95% LTV, single family, owner-occupied, credit score 740+.
- 30年期，固定利率，利率为8.250%, APR 8.648% and monthly payments of $9,730.97 inclusive of mortgage insurance. 这不包括财产保险或税收，并假设财产价值为1美元,300,000, 95% LTV, single family, owner-occupied, credit score 740+.
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