买房
为你的房屋购买获得完美的抵押贷款. 选择固定利率或浮动利率的抵押贷款, down payments and closing cost options.
Start Your Home Ownership Journey
加州海岸有负担得起的住房贷款选择，旨在满足您的需求-无论您是在寻找您的第一个家，还是需要升级到一个更大的家，以满足您不断增长的家庭.
准备在你出价前得到预先批准?
通过电话877-495-1600或发送电子邮件到 RealEstateLoanOfficer@3600151.com for a personal consultation.
Fixed-rate 抵押贷款
我们的 fixed-rate mortgages 知道你的月供在整个房屋贷款期限内保持不变，能让你安心吗. 选择我们的各种条款，首付款和成交成本选项.
Fixed-rate Mortgage Options:
- $0 out of pocket options
- Jumbo home loans 可用
- Interest may be tax deductible2
Adjustable-rate Mortgage (ARM)
如果你想在房屋贷款开始时支付较低的固定利率, 浮动利率抵押贷款可能适合你. ARM让你的抵押贷款利率固定在一个固定的期限，然后它变成一个可变利率贷款，当利率在贷款期限内发生变化时进行调整. 选择我们的各种可调利率条款，首付款和成交成本选项.
Adjustable-rate Mortgage Options:
- $0 out of pocket options
- 利率/定期购买的贷款价值比高达95%1
- Interest may be tax deductible2
- Down payment as low as 5%3
我们在这里帮助您打开您的住房贷款或找到合适的选择，以满足您的需求. 请致电(877)495-1600或立即在线申请.
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.
Cal Coast 房屋贷款 Center
Home Buying and 销售 服务
- 我们的加州海岸家庭奖励计划让您可以访问南加州最新的房屋列表
- 获得个性化的，及时的警报，当新的房屋上市可用
- 专业购房专家的指导
- Sell your home for a flat 1.5% listing fee or Buy a home and earn a 20% commission rebate4
Mortgage 计算器
购买或再融资房屋涉及许多财务决策. 利用我们的 计算器 to help you make the right decision.
- How much would my monthly payment be?
- Should I refinance my mortgage?
- How much can I borrow from my home equity?
房屋贷款 Tips, Tools & 更多的
- Check out our home buying tips and checklists
- Use our interactive Mortgage Guide to help make the process fast and easy.
- 访问我们的 房屋贷款 Resource Center 要查看利率、申请贷款、检查贷款状态以及更多有用信息.
- Find the perfect home loan with our Mortgage Assistant.
APR=Annual Percentage Rate. 根据信用记录，截至2024年12月5日的利率和条款, subject to credit approval, and subject to change without notice. 超过80% LTV的贷款需要抵押贷款保险. 付款例子不包括财产保险和税金, 而且支付的金额将高于披露的金额. 一些贷款可用于第二套住房和投资物业在不同的利率和条款. 会员 and credit subject to approval. 为每一个在圣地亚哥或河滨县生活或工作的人服务. 一次性5美元的会员费和储蓄账户是必需的. Restrictions apply.
- 截至2019年3月22日的5%首付住房贷款利率和条款. 付款的例子是基于300美元的购买价格,000 with 5% down (95% LTV) and a $285,000 loan on a single-family, owner-occupied home with a 30-year term. 3/1 ARM with a 3.250% rate has an APR of 5.278% and has monthly payments of $1,380.47. 5/1 ARM with a rate of 3.500% has an APR of 4.993% and has monthly payments of $1,384.28. 7/1 ARM with a rate of 3.875% has an APR of 4.959% and has monthly payments of $1,444.68 inclusive of mortgage insurance.
- Consult your tax advisor.
- 5/5 ARM优势，初始利率为7.4月7日.153% and monthly payments of $3,160.这笔贷款没有按揭保险. 这还不包括财产保险和税收. Payment example based on a 30-year term, property value $500,000, loan amount $475,000, single family, owner-occupied. 根据联邦储备委员会提供的5年期固定期限国债(CMT)指数利率的周平均值，每5年变动一次的利率, plus a margin of 2.50%. 最高调整上限为每5年2%及在贷款期限内5%.
- Excludes commission owed to buyer's agent. 返利由Home Rewards Group, Inc .颁发. 在Home Rewards网络中选择并使用房地产代理的买家和卖家. 仅购买住宅物业可获20%的回扣. 交易结束时，款项记入你的帐内. 使用加州海岸信用合作社抵押贷款并不是获得回扣的必要条件. 购买价格必须大于150,000美元. 所有返利均受限制、贷方指导方针、州法律和其他要求的约束. 某些物业可能没有资格获得折扣. 请向合格的税务专业人士咨询有关收到退税的税务影响. Home Rewards Group, Inc. 不隶属于加州海岸信用社吗. Subject to change without notice.
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