购买第一套房子是一个令人兴奋的里程碑. 从选择你想住的地方, to selecting paint colors and finding the perfect space for you or your growing family, 这都是成为房主的必经之路.
But before you start touring homes, it’s good to understand the basics of the entire process. 在这里我们将讨论准备购买, 了解房屋融资和所有成本是如何运作的, as well as shedding light on the most fundamental aspects of buying and owning a home.
Select where you are in your home buying journey below to explore our articles and resources.
Learn 更多的 about budgeting and saving up for a home, the role of credit, and the homebuying process.
Discover ways to secure your purchase, what you’ll need for a 抵押贷款, closing costs and much 更多的.
Connect directly with our 置业贷款顾问s so you can find the right 抵押贷款 solution for your needs.
Buying a home is a big milestone, and researching the process is the first step!
从制定预算开始, to learning about credit scores and how much to save for your 首付, we’re here to make sure you’re doing what’s best for your financial journey. 从我们的专家文章中了解更多关于购房的基本知识.
You’ve done your research, you understand the basics of your budget and now you’re ready to buy.
在你出价买房之前, be sure to check out some resources to help guide you in making the best home buying decision possible.
2023年7月11日
00:09:26
在这一集的小谈话大改变, Michele Enriquez与Fred Williams讨论买房问题, 帕特尔科的住房贷款顾问, as they debunk myths about home loan rates and emphasize Patelco’s commitment to helping members achieve their homeownership goals.
弗雷德强调了个性化指导的重要性. Discover how Patelco’s approach stands out and learn 更多的 by scheduling an appointment with a 置业贷款顾问 today!
在Spotify上收听 收听Apple把猜测工作从购房过程中剔除. 如果你想买, then you’ll need to consider a few areas of spending to determine how much you can afford. Remember: it’s not always a matter of how much you could borrow, but rather 你应该借多少钱.
使用下面的计算器来帮助调整你的预算.
我能买得起多少房子? (下图, “Monthly child support payments” refers to child support payments made as a monthly expense, 而不是孩子的抚养费.)
Calculations provided are for demonstration purposes only and do not guarantee credit approval for the rate and 条款 displayed.
我们知道市场上有很多抵押贷款产品, so here’s an easy glimpse into the most common types that Patelco offers and how much you can expect to borrow through each.
|
贷款项目 |
首付 |
借到1 |
关键好处 |
|---|---|---|---|
| 首次购房者贷款 | 下跌3% | $766,550 | 低首付，无成交费用2 |
| VA贷款 | 下跌0% | $766,550 |
退伍军人负担得起的选择 以及现役军人 |
| FHA贷款 | 3.下跌5% | $766,550 | 低首付款和更容易的信贷资格 |
| 大额贷款 | 下跌5%3 | 100万美元 | 在较高的价格范围内购买 |
| 贷款(80/10/10) |
10%下跌+ 从2下降了10%nd 抵押贷款 |
200万美元 |
20%的总首付款可能有助于获得资格 为更大的贷款和节省成本 |
当贷款人决定是否预先批准你的抵押贷款时, 他们着眼于四个主要因素, 通常被称为4c:信用, 能力, 资本, 和抵押品. Getting pre-approved for a 抵押贷款 can give you an edge over other buyers. 读 更多的 下面来了解它们的含义以及它们的重要性.
It’s a common misconception that you need a 20% 首付 to buy a home. 事实上, we offer programs with 首付 assistance and 首付 options as low as 3% and no closing costs2.
We offer several programs designed to help make homeownership 更多的 affordable and we understand everyone’s financial picture is unique. 我们建议与一个 置业贷款顾问 为你找到最好的选择.
It is a type of insurance protection on your 抵押贷款 and is typically required on loans with a 首付 of less than 20%. It provides less risk to the lender while offering buyers a lower 首付 option.
有几种方法来支付抵押贷款保险的费用, 但最常见的选择是按月支付, 作为你总本金的一部分, 感兴趣, 税, 和按揭保险(PITI)付款.
成交费用是对与你的贷款有关的服务收取的费用. These are additional fees (aside from your 首付 amount) and are due once your loan closes. 买卖双方都可能需要支付成交费用, 房价的3 - 6%不等. 一些类型的成本包括你的房屋评估, 物业查询资料, 保险费, 以及产权服务.
费用会根据你的房产所在的位置而有所不同, 您的贷款金额, 总收购价. 你的 置业贷款顾问 will provide an estimate with a detailed breakdown of your costs after you apply for your loan.
1 贷款金额可能因县而异.
2 成交费用包括适用的所有权, 托管和记录费用，并将出现在成交披露. The appraisal and credit report fee will be paid up-front by the member and reimbursed at closing. 风险保险, 税, 会员费, 帕特尔科不承担买方保单和转让税. At least one borrower must be a first-time home buyer (had no ownership 感兴趣 in a property in the last three years). Applicable on the purchase of a single-family residence and 30-year fixed conforming loans with minimum 740 FICO.
3 Eligible for conforming loan amounts and 95% loan-to-value (LTV) available on 15-and 30-year fixed jumbo 抵押贷款s only. 超过80% LTV的贷款需要抵押贷款保险.
4 The 首页Advantage program is made available to you through a relationship between 帕特尔科信用合作社 and CU Realty Services. Program rebates are awarded by CU Realty Services to buyers and sellers who select and use a real estate agent in the 首页Advantage network of approved realtors. 首页 buyers or sellers are not eligible for the rebate if they use an agent outside this network. Using your credit union for a 抵押贷款 is not a requirement to earn a rebate. 回扣金额取决于支付给代理商的佣金. Patelco可能对如何支付你的回扣有具体的规定. Rebate incentives are available in most states; however, 在法律或贷款人禁止的情况下是无效的.
5 Lock and Shop program is available for first (1st) 抵押贷款 大额贷款 purchase transactions only. 必须向帕特尔科申请住房贷款才能锁定利率吗. Patelco将在锁定之日起30天内兑现您的费率. Once a fully-executed purchase contract is received, the rate will prevail until loan funding.
利率, 条款, 条件, and availability are subject to change or withdrawal at any time and without notice. Nothing herein is or should be interpreted as an offer or commitment to lend. 贷款须经信贷和财产审批. 其他条件和限制可能适用. 可能需要危险保险. NMLS ID号码为506373.
