Purchasing your first home is an exciting milestone. From choosing where you want to live, 到选择油漆颜色，为你或你不断壮大的家庭找到完美的空间, it’s all part of the journey of becoming a homeowner.
但在你开始参观房屋之前，最好了解整个过程的基本知识. Here we’ll cover preparing to buy, understanding how home financing and all costs work, 同时也揭示了购买和拥有住房的最基本方面.
选择你在你的购房之旅下面探索我们的文章和资源.
了解更多关于预算和储蓄的房子，信贷的作用，和购房过程.
发现如何确保你的购买，你需要抵押贷款，关闭成本和更多.
直接与我们的房屋贷款顾问联系，以便您找到适合您需求的抵押贷款解决方案.
买房是一个重要的里程碑，而研究购房过程是第一步!
From developing your budget, 学习信用评分，以及为你的首付款存多少钱, 我们在这里是为了确保你正在为你的财务旅程做最好的选择. Learn more about the basics of home buying from our expert articles.
你已经做了调查，了解了基本的预算，现在你准备买了.
Before you start putting offers on homes, 一定要查看一些资源来帮助指导你做出最好的购房决定.
July 11, 2023
00:09:26
In this episode of Small Talks for Big Change, Michele Enriquez discusses homebuying with Fred Williams, a Home Loan Consultant at Patelco, 因为他们揭穿了关于住房贷款利率的神话，并强调Patelco致力于帮助会员实现他们的房屋所有权目标.
Fred highlights the importance of personalized guidance. 了解Patelco的方法如何脱颖而出，并通过今天安排与住房贷款顾问的预约了解更多信息!
Listen on Spotify Listen on AppleTake the guess work out of the homebuying process. If you’re thinking about buying, 然后，你需要考虑几个方面的支出，以确定你能负担多少. 记住:这并不总是你能借到多少钱的问题，而是 how much you should borrow.
Use our calculator below to help fine tune your budget.
How much home can I afford? (Below, “每月子女抚养费”是指按月支付的子女抚养费, not to income from child support.)
所提供的计算仅用于演示目的，并不保证所显示的利率和条款获得信贷批准.
We know there are a lot of mortgage products out there, 下面就让我们简单了解一下Patelco提供的最常见的贷款类型，以及你可以通过每种贷款类型借到多少钱.
|
Loan Program |
Down Payment |
Borrow up to1 |
Key benefit |
|---|---|---|---|
| First Time Buyer loan | 3% down | $766,550 | Low down payment with no closing costs2 |
| VA loan | 0% down | $766,550 |
Affordable options for Veterans and active duty service members |
| FHA loan | 3.5% down | $766,550 | Low down payment and easier credit qualifications |
| Jumbo loan | 5% down3 | $1 million | Buy in higher price range |
| Piggyback (80/10/10) loan |
10% down + 10% down from 2nd mortgage |
$2 million |
20% overall down payment may help qualify for larger loan and save on costs |
When lenders decide whether to pre-approve you for a mortgage, they look at four main factors, commonly known as the four C’s: credit, capacity, capital, and collateral. 获得抵押贷款的预先批准可以让你比其他买家更有优势. Read more here to understand what each of them means and why they matter.
这是一个常见的误解，你需要20%的首付买房子. In fact, 我们提供低至3%的首付款援助和首付款选择，并且不收取交易费用2.
我们提供了几个项目，旨在帮助人们更负担得起房屋所有权，我们了解每个人的财务状况都是独一无二的. We recommend setting up a preliminary conversation with a Home Loan Consultant to find the best option for you.
这是抵押贷款的一种保险保护，通常需要首付低于20%的贷款. 它为贷款人提供了较小的风险，同时为买家提供了较低的首付款选择.
There are several ways to cover the cost of mortgage insurance, but the most common option is to pay for it monthly, as part of your total principal, interest, taxes, and insurance (PITI) payment on your mortgage.
Closing costs are fees charged for services related to your loan. 这些是额外的费用(除了你的首付款金额)，一旦你的贷款结束就到期了. Both buyers and sellers may have to pay closing costs, which can range from 3 – 6% of the home purchase price. Some types of costs include your home appraisal, property search information, insurance premiums, and title services.
Costs can vary depending on where your property is located, your loan amount, and total purchase price. 您的住房贷款顾问将在您申请贷款后提供您的成本的详细分类估计.
Competitive rates, flexible loan programs and down payment options
Personalized advice and guidance at each step – find a Home Loan Consultant here
Search for properties, receive special discounts and more with Home Advantage4
Shop for homes with confidence with our full credit approvals
Secure your rate for up to 30 days while you’re actively making offers5
We’re committed to closing quickly to meet your contract deadlines
1 Loan amount may vary by county.
2 Closing costs fees include applicable title, escrow and recording cost fees and will appear on the Closing Disclosure. 评估和信用报告费用将由会员预先支付，并在交易结束时偿还. Hazard Insurance, Taxes, HOA fees, Purchase Owner’s Policy and Transfer Tax are not covered by Patelco. 至少有一个借款人必须是首次购房者(在过去三年内没有房产所有权权益). 适用于购买单户住宅和30年固定贷款，最低FICO为740.
3 符合资格的贷款金额和95%的贷款价值比(LTV)适用于15年和30年固定巨额抵押贷款. Loans over 80% LTV require mortgage insurance.
4 HomeAdvantage计划是通过Patelco信用合作社和CU房地产服务公司之间的关系提供给您的. 加州大学房地产服务公司向在HomeAdvantage认可的房地产经纪人网络中选择并使用房地产经纪人的买家和卖家颁发项目回扣. 如果购房者或卖家使用该网络以外的代理，则没有资格获得回扣. 使用你的信用合作社抵押贷款并不是获得回扣的必要条件. Rebate amounts are dependent on the commissions paid to the agent. Patelco may have specific rules on how your rebate will be paid out. Rebate incentives are available in most states; however, are void where prohibited by law or by the lender.
5 锁店计划只适用于首次(第一)按揭贷款购买交易. Must have a home loan application with Patelco to lock in a rate. Patelco will honor your rate up to 30 days from the date it is locked. 一旦收到一份完全执行的购买合同，在贷款资金到位之前，利率将优先执行.
Rates, terms, conditions, 可随时更改或取消，恕不另行通知. 此处的任何内容都不应被解释为提供或承诺贷款. Loans are subject to credit and property approval. Other conditions and restrictions may apply. Hazard insurance may be required. NMLS ID Number is 506373.
Compare
