Home Loans

NMLS 416906

gpk电子游戏官网有各种各样的贷款产品来满足您的需要. Not only that, but you may be eligible for up to 100% financing!

How Much Home Can I Afford?

When you’re buying a home, mortgage lenders don’t look just at your income, assets, and the down payment available. They look at all your liabilities and obligations as well, including auto loans, credit card debt, child support, potential property taxes and insurance, and your overall credit rating. It’s also smart to learn how to budget for your new home.

Definitions for Single Family Loan Amounts 

• Conforming Loan Limits: Maximum loan amount $726,200
• 超级符合/高余额:贷款金额超过726,200美元至最高1,089,300美元
• Jumbo Loan Amounts: Loan amounts over $1,089,300

It’s smart to spend time investigating which mortgage is right for you, especially with the variety of loan products we offer to suit your needs. Whether you’re purchasing a new home or refinancing your existing home, selecting the right loan type is crucial.

Check out our expert home-buying ideas!

Fixed-Rate Mortgages

对于那些计划长期住在新家的人来说，这是一个很好的选择，他们想把利率上升对抵押贷款的影响降到最低. gpk电子游戏官网的传统固定利率抵押贷款在贷款期间为您提供稳定的固定月供.  换句话说，随着时间的推移，你每月支付的本金和利息总额将保持不变.

We offer both conforming and jumbo fixed-rate mortgages. The Bay Area maximum loan limit for conforming loans is usually $726,200; for super conforming loans the limit is $1,089,300, and jumbo loans are for amounts greater than $1,089,300. We offer:

• 15- and 30-year terms with fixed monthly payments
• Fixed rates (payments stay the same through term)
• Jumbo financing available
• Refinancing options available

Jumbo Mortgages

Get one of the lowest fixed-rate Jumbo Loans in the nation!

Jumbo mortgages are home loans that exceed amounts over $1,089,300, allowing you the opportunity to buy a high-priced home here in the Bay Area. If you have a lower debt-to-income ratio and a higher credit score, a jumbo loan may be right for you.

The limit on conforming loans is $726,200, but jumbo mortgages can exceed these limits, going up to $3 million. 随着旧金山湾区房价的飙升，大多数人都需要一笔巨额贷款.

• 信用记录-大额抵押贷款通常适用于信用良好的借款人, which generally means a FICO score of 680 or higher. 对于收入和其他个人财务信息也有既定的指导方针.
• 财产评估——财产评估必须支持房屋的购买价格和借款人想要的抵押贷款. 最高贷款金额将以销售价格或评估价值中较小者为准

Adjustable Rate Mortgage (ARMs)

可调利率抵押贷款(ARM)与固定利率抵押贷款在许多方面不同. Most importantly, the interest rate changes periodically with an ARM, usually in relation to an index, and payments may go up or down accordingly. ARM rates may have a fixed rate period of three, five, seven, or 10 years. 在最初的固定利率期之后，利率和付款可能会相应变化.

Adjustable rate mortgages are a hybrid of fixed and variable rates. Generally, 贷款的头几年提供固定利率，之后提供可变利率. Therefore, 投资者可以期望在贷款期限内获得不同的付款金额，而不是一致的付款金额, as with a fixed-rate loan.

浮动利率抵押贷款的优点是，在固定的贷款期限内，利率较低, which will in turn give you the opportunity for a lower initial monthly payment.

Interest Only Adjustable Rate Mortgage (IO ARMs)

只付利息的可调利率抵押贷款(IO ARM)提供了可调利率抵押贷款(ARM)的特性，并具有显著降低初始付款的额外好处.

During the initial 10-year payment period, payments are for the monthly interest only, no principal payment is required. Following the initial 10-year period, 贷款转换为利息和本金支付，在30年内(摊销期)全额偿还贷款金额。. The total loan term for this loan is 40 years.

While the interest remains fixed in the initial period, the interest rate during the 30-year amortization period may vary annually. 利率调整受每个调整期的利率上限及贷款的终身最低及最高利率上限限制.

POPPYLoans

gpk电子游戏官网有一个住房贷款产品，为你梦想中的房子提供高达100%的融资! 当你可以用可定制的POPPYLoan™购买自己的房子时，为什么要支付荒谬的租金, 对于“我没有足够的钱付首付款”这种可悲的抱怨，这是一个改变游戏规则的解决方案!”

Refinancing Your Home

Swap out your old loan for a new (and better!) one. 无论你是否有gpk电子游戏官网的贷款，还是有其他贷款人的贷款, we have options that may save you money. We offer both fixed-rate and adjustable-rate mortgages (ARMs), 没有预付罚金，也没有私人抵押贷款保险(PMI)或许多贷款的预付抵押贷款保险费(UMIP).

Contact Us

We have home loan experts available to make your experience as smooth as possible. Call us at 1-800-852-7598 X 2977与GPK电子游戏的一位知识渊博和友好的按揭专业人士交谈，以回答您的任何问题.

Home Loan Document Checklist

When getting ready to submit an application, here’s a list of documents you will need to have on hand.