让你的梦想拥有一个家的现实与gpk电子游戏官网可调利率抵押贷款.

可调利率抵押贷款是可变利率和固定利率的混合体. 一般, a fixed initial 利率 is offered the first few years of the loan, followed by variable rate interest after that. 因此, 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. 

可调利率抵押贷款的优点是在固定的贷款期限内利率较低, 这反过来又给了你一个选择，在贷款的初始固定期限内支付较低的金额.

可调利率按揭贷款(ARM)和固定利率按揭贷款的区别 

ARMs differ from fixed rate mortgages in many ways. 最重要的是, with an ARM the 利率 adjusts periodically, usually in relation to an index, and payments may go up or down accordingly. ARM rates may have a fixed rate period of 三年, 五年, 七年 or 10年 . 在最初的固定利率期之后，利率和付款可能会相应变化.

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成员评论

    五星级

    I have done 2 HELOC loans with SF Fed CU.  They were great to work with: professional, responsive, and thorough.   I would recommend them to anyone I am very happy with the process

    威廉F.
    五星级

    Recently I was interested in getting a personal loan.  金门分公司的数字销售代表迅速给了我答复，帮了我很大的忙.  在预审了我的贷款资格后，她帮我确定信用卡(利率低得多)对我来说是更好的选择.  我很喜欢(她)引导我选择一个对GPK电子游戏来说可能收入较少但对我个人来说更好的选择.  从我第一次联系GPK电子游戏关于贷款到获得信用卡的整个过程只花了7天.

    玛丽亚L.
    五星级

    The SF Federal Credit Union has been a great banking experience for me.  I have been a member for more than 30 years and never had a bad experience.

    外祖母玛米.
    五星级

    有史以来最好的银行!!! Staff are so helpful and make you feel like they’ve known you forever. 我从来没有遇到过SFFCU团队没有办法帮助解决的银行问题或情况! 我希望在圣何塞有一个分支机构，但在我成为会员的25年里，我只需要去我的分支机构5-6次! Online services are so appreciated!

    “我很多年前就加入了……我没有不喜欢他们的地方……他们就像一个家庭。. 还因为他们提供特别的新车和二手车购买计划，包括摩托艇和摩托车. They are kind and considerate.”

    Rosalinda Rodriguez
    五星级

    The mortgage team was absolutely fabulous in locking in my rate, directing me to get my documents in a timely fashion, and closing ahead of schedule. They are a great team and I am very happy with my mortgage loan! Special thanks to them for all they do!”

    安妮特B.
    五星级

    Applied for a car loan, Bank Associate was very helpful. GPK电子游戏的贷款专员正在度假，他在几个小时内接管并处理了GPK电子游戏的贷款. I highly recommend them for their excellent customer service.

    五星级

    What a breath of Fresh Air!! 有体贴、富有同情心的人，他们绝对代表了人们的需求. Please join me in a standing ovation for the Bank Associate, 是谁超越了职责的要求，用她的专业方法解决了问题. Thank you, Thank you, Thank you!

    五星级

    GPK电子游戏是SFFCU的会员，已经有40多年的历史了，一直受到员工的良好服务, personally and thru phone contact. 最近, GPK电子游戏需要帮助，将资金汇给一家产权公司，贷款机构给了GPK电子游戏“加快”模式. We went to the Burlingame Branch and sought out the Branch Manager. 我的天啊, 他们帮助GPK电子游戏极大地协助GPK电子游戏与电汇信息，产权公司要求在一个迅速的方式. They did not leave us hanging. They stayed with us until the title company was completely satisfied. 他们检查了GPK电子游戏与产权公司和贷方的每一步. They called and emailed us throughout the afternoon which felt like a week. The entire staff helped us with closing tomorrow. They are very friendly, happy, funny, and finance savvy. Check the Branch Manager out at the Burlingame Branch; you won’t be disappointed.

    刘若英 & 辛西娅

按揭贷款常见问题

Q: Which factors can help me get the lowest 利率 on my mortgage?

A: Our loan officers consider an applicant’s debt-to-income ratio, 信用记录, 首付, 房价, 贷款类型. 一般, applicants who have higher credit scores, 较低的整体债务, and a secure income can access lower rates. 

Q: How much of a home loan can I afford? 

A:当你买房子的时候，抵押贷款机构会看你的收入、资产和首付款. They also consider your liabilities and obligations, including auto loans, 信用卡债务, 孩子的抚养费, potential property taxes and insurance, and your overall credit rating. These variables come together to determine the total loan amount. 

使用 这个计算器 will give you an idea of how much of a mortgage you may be able to obtain. 然而, GPK电子游戏欢迎您与GPK电子游戏的抵押贷款专业人士之一交谈，他们可以帮助您考虑所有变量，以确定适合您的贷款和贷款金额. 

Q: How is the 利率 on a mortgage determined?

A:  Mortgage loan index rates vary from day to day based on 优惠利率，这是美国.S. Federal Reserve influences. 从那里, GPK电子游戏通过检查你的信用评分来确定你有资格享受什么样的利率, 付款历史, and employment history. The better your finances, the lower the rate you are offered.

问:固定利率抵押贷款和可调利率抵押贷款有什么区别?

A:固定利率的抵押贷款有固定的利率和月供. 可调利率抵押贷款(ARM)的利率根据优惠利率而变化, which we mentioned above. 与ARM相关的可变利率意味着该类型贷款的月还款额随着利率的变化而变化. 

For information about mortgage loan variables, 请GPK电子游戏，与GPK电子游戏知识渊博的抵押贷款团队成员之一联系，电话800-852-7598, 2977分机.

Q: How are payments determined on a variable rate mortgage?

利率, 贷款期限, 贷款结束后的余额是GPK电子游戏决定你每月首付款本金和利息的标准. 

Let’s use the 5/1 ARM as an example. Payments are set up so that you can pay off your loan in 360 months. As 利率s go up or down, your payments could change after 60 months. 然后，在这段时间之后，你的付款金额可能每12个月改变一次.

Other factors can affect your monthly payment in the meantime, depending on a change in your taxes, 评估, 和更多的.

There are limitations on the changes that can be made to 利率s. On the first change date, they won’t increase or decrease by more than 2.自初始利率起计的000个百分点(不包括任何回购). 

在初始调整期后，您的利率增减幅度不会超过2.在贷款期限内，每年的增幅不能超过6%.比初始利率高出000个百分点(也不包括任何首付).

Q: How will I be notified of any adjustments?

如果利率有任何变化，调整通知至少每年发布一次. 如果利率的变化也意味着你的月供的变化，你会收到书面通知. This written notification will come at least 25 calendar days, 但不得超过新水平付款到期前120个日历日. 

You’ll see the adjusted payment amount, 利率, 索引值, and the outstanding loan balance at the time.

Mortgage Loan Resources

在gpk电子游戏官网，GPK电子游戏在这里帮助您实现您的财务目标. 请参阅GPK电子游戏有用的工具和资源，或与GPK电子游戏的团队成员交谈，他们随时准备在您成为购房者的旅程中为您提供支持.

Get the Mortgage to Fit Your Needs With San Francisco Federal Credit Union 

有了合适的抵押贷款，你就离购买梦想中的房产更近了一步. 让gpk电子游戏官网今天帮你找到完美的抵押贷款.

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