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Conforming Adjustable-rate Mortgage (ARM)
再融资 your home with the affordability of an Adjustable-rate Mortgage (ARM).
再融资 your home with an ARM and lower your monthly payments.
ARM是如何工作的?
Your rate is fixed for a set term and then it becomes a variable rate loan and adjusts when interest rates change over the life of the loan. 例如,一个5/1 ARM3 has a fixed loan payment for the first five years. Beginning on year six, the rate may adjust and may continue to adjust each year thereafter.
ARM适合你吗?
An adjustable-rate mortgage may be the right option for you if:
You want to save interest with lower initial rates
You intend to relocate during the fixed-rate period of 5 or 7 years
You plan to sell or refinance your home within the fixed-rate period of the ARM
手臂的特点:
完全平摊5/1 ARM2, 5/5臂3和7/1 ARM4
Up to 95% Loan-To-Value (LTV) on rate/term purchases1
0美元的自付期权
Interest may be tax deductible (please consult your tax advisor)
We are here to help you open your home loan or find the right option to fit your needs. Give us a call at (877) 495-1600 or apply online today.
No down payment mortgage solution! With Cal Coast's Zero Down¹ mortgage loan, you may be able to move into your dream home faster than you think.
APR=Annual Percentage Rate. 利率 and terms as of 09/08/2024 based on credit history, subject to credit approval, and subject to change without notice. 贷款 over 80% LTV require mortgage insurance. Payment examples do not include property insurance and taxes, and the payment will be higher than disclosed payments. Some loans are available for second homes and investment properties in CA at different rates and terms. 会员 and credit subject to approval. Serving everyone who lives or works in San Diego or Riverside counties. A one-time $5 membership fee and savings account required. 限制.
5/5 ARM with an initial interest rate of 6.375%, 4月7日.146% and monthly payments of $3,137.55 inclusive of mortgage insurance. This does not include property insurance and taxes. Payment example based on a 30-year term home purchase for a property valued $500,000, 95% LTV, 单身家庭, 业主自住的, 信用评分740+. 利率 subject to change once every 5 years based on the weekly average of the 5-Year Constant Maturity Treasury (CMT) index rate as made available by the Federal Reserve Board, 加上2的余量.50%. Maximum adjustment cap 2% every 5 years and 5% over the life of the loan.