浮动利率抵押贷款比固定利率贷款提供更低的初始利率和付款，并且在你第一次搬进来的时候改善你的现金流. Patelco offers 5, 7, or 10-year terms for an ARM. After that, your payments can increase or decrease with interest rate changes, based on the terms of your individual loan. 利率将在调整期间和贷款期限内达到上限. Depending on your situation, ARM可能是一个不错的财务决策，可以为您节省资金. 对于那些知道自己想在不久的将来搬家或将在几年内还清抵押贷款的人来说，这尤其有好处.
ARM loans are different from fixed-rate mortgage loans, which keep the same interest rate for the life of the loan.
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一旦预先批准，我们会在你买房的30天内兑现你的房费1
We work fast to meet your closing deadlines on time
Rates Effective 04/19/2024
|
Loan Program |
Amount |
Rate |
APR2 |
|---|---|---|---|
|
5/1 30-Year Adjustable3 |
$50,000 to $766,550 | 7.000% | 7.314% |
|
5/5 30-Year Adjustable4 |
$50,000 to $766,550 | 7.125% | 6.996% |
|
7/1 30-Year Adjustable3 |
$50,000 to $766,550 | 7.125% | 7.337% |
|
10/1 30-Year Adjustable3 |
$50,000 to $766,550 | 7.250% | 7.386% |
|
10/10 30-Year Adjustable5 |
$50,000 to $766,550 | 7.375% | 7.352% |
|
5/1 30-Year Adjustable Jumbo3 |
$766,551 to $2,500,000 | 6.750% | 7.194% |
|
5/5 30-Year Adjustable Jumbo4 |
$766,551 to $2,500,000 | 6.875% | 6.874% |
|
7/1 30-Year Adjustable Jumbo3 |
$766,551 to $2,500,000 | 6.750% | 7.119% |
|
10/1 30-Year Adjustable Jumbo3 |
$766,551 to $2,500,000 | 6.875% | 7.113% |
|
10/10 30-Year Adjustable Jumbo5 |
$766,551 to $2,500,000 | 7.000% | 7.399% |
How much home can I afford? (Below, “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.
10% Down Piggyback Loan
买房是一个重要的里程碑，也是你将做出的最大的财务决定之一. But it can be stressful if you’re unsure of what to expect.
我们的住房贷款顾问将回答您所有的问题，让您充分准备和了解每一步的方式.
Whether it’s your first home, a vacation property or an investment purchase, 我们的房屋贷款顾问将与您会面，讨论您的计划和目标.
他们位于当地，对湾区和萨克拉门托地区有独特的理解.
利用与当地专家而不是全国专家打交道的优势.
Learn more through our Financial Wellness library.
1 锁店计划只适用于首次按揭大额贷款购买交易. Must have a home loan application with Patelco to lock in a rate. 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，利率将以该利率为准.
2 APR = Annual Percentage Rate. APRs are based on the following:
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. 请使用利率计算器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. Rates, terms, conditions, 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. Loans are subject to credit and property approval. Other conditions 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 5.18. 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 4.69. 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 4.67. Your rate may be different than what is shown.
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