Routing # 321076470

Refinance your mortgage

节省你目前的贷款,或者换一个不同的期限


再融资你的抵押贷款可以有 big benefits

我们知道你的财务状况会随着时间的推移而改变, and the loan you received when you first bought your home may need to change to better align with your current plans and finances. 你是否想缩短贷款期限, lower your interest rate, 或者从你的家里获得股权, 再融资是一个帮助你实现目标的聪明方法.

当你再融资时,你用一笔新的贷款取代了你目前的抵押贷款. Your new mortgage will have a different rate (adjustable or fixed-rate options are available), monthly payment, 总的来说(从10中选择,15, 20 or 30 years). There are several reasons you may want to refinance, but here are some of the most common:

  • 降低你的利率或月供
  • 随着时间的推移节省利息
  • 换一个不同的贷款期限来满足短期或长期的目标
  • Pay off your loan faster
  • 从你的房屋净值中提取现金

如果你在考虑再融资,我们可以帮你 apply online 开始与…开始或连接 Home Loan Consultant to discuss your options.

Refinancing Benefits

Competitive rates

各种固定和可调利率的选择

Expert advice

个性化的建议和指导,在每一步-找到你的 Home Loan Consultant

Flexible terms

Up to 30 years

Cost savings

以低利率和费用节省的机会

Dedicated loan support

在您的贷款的整个生命内部贷款服务

Equity Builder®

Take advantage of our special bi-weekly payment feature to pay off your loan faster1

Refinance Fixed Rates

税率自2024年6月17日起生效

Loan ProgramAmountRate

APR2

APR1

1803330-Year Fixed$50,000 to $766,5506.8756.96617/06/202417/06/20241
1803620-Year Fixed$50,000 to $766,5506.3756.48607/11/202307/11/20232
1804115-Year Fixed$50,000 to $766,5506.3756.51407/11/202307/11/20233
1804610-Year Fixed$50,000 to $766,5506.1256.31512/12/202312/12/20234
1804930年固定高结余$766,551 to $1,149,8257.3757.46502/01/202402/01/20246
1805315年固定高余额$766,551 to $1,149,8257.3757.51902/01/202402/01/20245
1805730-Year Fixed Jumbo$766,551 to $2,500,0006.8756.95009/11/202309/11/20237
1806115-Year Fixed Jumbo$766,551 to $2,500,0006.8756.99609/11/202309/11/20238

再融资可调利率

税率自2024年6月17日起生效

Loan ProgramAmountRateAPR2
180715/1 30-Year Adjustable3$50,000 to $766,5506.3757.05517/06/2024
180775/5 30-Year Adjustable4$50,000 to $766,5506.5006.43408/12/2023
180857/1 30-Year Adjustable3$50,000 to $766,5506.3756.93608/12/2023
1809110/1 30-Year Adjustable3$50,000 to $766,5506.5006.87608/12/2023
1809810/10 30-Year Adjustable3$50,000 to $766,5506.6256.71208/12/2023
181085/1 30年可调Jumbo3$766,551 to $2,500,0006.3757.03908/11/2023
181145/5 30年可调Jumbo4$766,551 to $2,500,0006.5006.41808/12/2023
181187/1 30年可调Jumbo3$766,551 to $2,500,0006.3756.92108/12/2023
1812310/1 30年可调Jumbo3$766,551 to $2,500,0006.5006.86108/12/2023
1813010/10 30年可调Jumbo5$766,551 to $2,500,0006.6256.69608/12/2023

Refinance Calculator

看看再融资对你是否有意义. Check out the calculator.

Frequently Asked Questions

  • rate and term refinance replaces your current mortgage with a new rate or term and the amount you owe on your current loan is transferred to a new loan. You may opt for this type of refinance if you want to reduce your current interest rate or payment or want to change your loan term. For example, if you currently have a 30-year fixed mortgage and want to switch to a 15-year term, 利率和期限再融资是为您准备的.
    With a cash-out refinance you borrow more than your current mortgage loan balance by using your home’s equity as collateral. For example, if you have a $400,000 principal balance on your loan and you want to borrow (“cash out”) an additional $50,000, 这取决于你有多少股权, 你可以用450美元为你的新贷款再融资,000. The $50,差价在成交时支付给你方, 但你的费率和付款是基于这450美元,000 balance.

    From the time you apply to the closing of your new loan, typically takes about 45 days. 这可能看起来很长, but it is simple, and most of the heavy lifting is done by our team as we review and underwrite your new loan. After you apply, 如果你还没有与房屋贷款顾问合作, we will find one for you, and they will work with you to review and request any items we may need (such as your income, assets, and credit history). They’ll work closely with you and will keep you updated on important milestones such as your loan approval, loan signing and closing.

    再融资与你的第一次房屋抵押贷款挂钩, and when you take cash out you’re borrowing more than you owe on your loan, 但你仍然只有一次贷款和还款. 房屋净值贷款(固定利率第二抵押贷款)或 房屋净值信贷额度 (浮动利率信贷额度)是针对你的房屋的单独贷款. 你的第一笔抵押贷款保持不变, and your home equity loan or 房屋净值信贷额度 is used to access cash you may need for immediate or future needs.

    If you’re looking to tap into your home’s equity, there are several options available – from home equity loans and lines of credit到现金再融资,甚至是 personal loan (与你的房子或任何抵押品无关). 在考虑你的选择时, 你需要考虑你目前的利率和付款情况, your new payment, 你需要多少钱,需要多快. Some homeowners with low fixed rates on their first mortgage may not want to refinance into a higher rate or payment, 房屋净值贷款或信用额度, 或者甚至个人贷款可能更适合. 有很多事情要考虑,这就是我们在这里的目的! 最好是和一个 Home Loan Consultant so they can give you a complete breakdown of your costs and options and recommend a solution for your individual goals.

从我们的专家那里获得再融资建议

If you’re considering refinancing, we know there’s a lot to think about. Everyone’s situation is unique and there are multiple factors at play – including your current mortgage and payment and where rates are today.

让我们帮助您探索您的选择. Our Home Loan Consultants are experienced professionals who will review your current loan and goals to determine what works best for your overall financial plan. They’re located locally and have a unique understanding of the Bay Area, Sacramento region, and beyond.

Find a Consultant 从我们的专家那里获得再融资建议

1 Equity Builder is a bi-weekly payment option for specific Patelco mortgage products. Bi-weekly payment option offers reduced number of years for early loan pay-off date and reduced interest paid depends on loan amount, interest rates, 以及每两周或每周付款计划的开始时间. 详情请咨询帕特尔科住房贷款顾问.

2 年利率. 年利率的计算依据如下:

  • 符合:贷款金额766,550美元+结算费用
  • 高余额:贷款金额为1,000,000美元+结算费用
  • 大额:贷款金额150万美元+成交费用
  • Mortgage rates shown are based on a 30-day lock for purchase transactions

贷款价值比(LTV)为60%, owner-occupied purchase with excellent credit and no subordinate financing. 您的价格可能与显示的不同, there are pricing adjustments on certain scenarios. Please use the rate calculator on our mortgage application site to receive a better estimate for your scenario. Rates, terms, conditions, and availability are subject to change or withdrawal at any time and without notice. Nothing herein is or should be interpreted as an offer or commitment to lend. 贷款须经信贷和财产审批. 其他条件和限制可能适用. 可能需要危险保险. NMLS ID Number is 506373.

高余额抵押贷款允许超过766美元的更高贷款限额,550符合限制高达1美元,000,000.00 for high-cost areas as determined by the Federal Finance Agency (FHFA). These higher limits are designed to make homeownership more affordable in areas with the highest home prices and are typically priced below jumbo mortgage loan.

3 The index is the weekly average of the 1-year US Treasury securities adjusted to constant maturity of one year, 由美联储提供. 根据初始利率,上限为每年2%,终身6%. The current index is 5.14%. 您的价格可能与显示的不同.

4 The index (for 5/5 product) is the weekly average of the 5-year US Treasury securities adjusted to constant maturity of five years, 由美联储提供. The caps are 2% every adjustment and 5% lifetime based on the initial rate. The current index is 4.25. 您的价格可能与显示的不同.

5 The index (for 10/10 product) is the weekly average of the 10-year US Treasury securities adjusted to constant maturity of ten years, 由美联储提供. The caps are 3% every adjustment and 6% lifetime based on the initial rate. The current index is 4.26. 您的价格可能与显示的不同.

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