路由# 321076470

首页 股本贷款

从你的房屋净值中获取你现在需要的资金


为你需要的固定付款提供融资

A home equity loan is a smart way to access the equity you’ve built to help you cover one-time expenses for your immediate financial needs.

+, with a home equity loan your rate and payments are fixed over time, 让你的预算更安全,更轻松.

Use your home equity loan to finance large improvement projects, 升级或翻新, 或者新建房屋. You can also use it to consolidate debt, pay for tuition or cover the cost of unexpected events.

Whatever your dreams and goals, your home’s equity can help.

房主的聪明的金融工具

安全安心

固定利率,每月付款

即时资格预审

See your personalized interest rate with no impact to your credit2

方便网上申请

几分钟内完成网上申请

没有费用,没有噱头

No application fee, no pre-payment penalty, and no annual fee

灵活的条款

选择10年、15年或20年

快速获取现金

Get a lump sum at closing to use for home improvements, large purchases and more

固定利率房屋净值贷款

2024年12月7日生效

术语贷款与估值

4月1

4月7

1816810年$10,000-$500,000高达80%的LTV8.0008.219212/07/2024
1817115年$10,000-$500,000高达80%的LTV8.1258.285310/10/2023
1817620年$10,000-$500,000高达80%的LTV8.2508.382410/10/2023

常见问题

  • A home equity loan is a type of loan where you borrow against your house (the collateral) and receive a lump sum of cash. 随着时间的推移,你每月固定还款. 大多数房屋净值贷款都有固定利率, where each monthly payment reduces your loan balance and covers some interest costs. The amount you can borrow largely depends on your credit score and how much equity you have in your home (i.e. how much of your home you own versus how much is owed on your mortgage).

    在大多数情况下, we can offer financing for up to 80% of your home’s value – which includes your first mortgage balance (if any) and the amount of your new home equity loan. 例如, 如果你的财产价值800美元,你还欠500美元,你的第一笔抵押贷款, 您可能有资格获得高达140美元的房屋净值贷款,000. ($800,000 x 80% = $640,000. $640,000 – $500,000 = $140,000.) Keep in mind this depends on several other factors including loan approval, your credit and income. 我们建议 先查看房价 获得预授资质.

    我们很荣幸不收取申请费, 不收取提前结案费, 没有年费, 在250美元以下的队伍中不收结案费,000.3

    用房屋净值贷款, you’ll receive the full amount you’re eligible to borrow at the time your loan closes.

    Both types of loans provide a one-time option to access a specific amount of cash from your home’s equity. 主要的区别是 通过再融资 取代你现有的第一笔抵押贷款, 房屋净值贷款是第二次抵押贷款, 这意味着你不需要为你的第一笔抵押贷款再融资. 用房屋净值贷款, 你保持现有的价格, 第一笔按揭贷款的贷款条款和付款情况, 并获得新的二次抵押贷款.

在这里提供指导和建议

Our 首页 Loan Consultants are specialized in providing home loan expertise and advice to help you find the right option for your short-and-long-term goals. 不确定房屋净值贷款是否适合你? 今天就安排一次免费咨询.

看看你的房屋净值能为你做些什么
Get your rate and terms before you apply, without impacting your credit2.

1 8.4月219% (Annual Percentage 率) and other terms shown are accurate, as of 07/12/2024. 每年的固定利率为8%.219% is available for 10-year second position home equity installment loans with loan-to-value (LTV) of 80% or less. Loan payment example: on a $50,000 loan for 120 months at 8.4月219% assuming no down payment, monthly payments would be $607.00. 贷款期限为10个, 15, or 20年; however, the monthly payment amount may differ from the example used above based on the loan amount and loan term selected. Payment example does not include amounts for taxes and insurance premiums. The monthly payment obligation will be greater if taxes and insurance are included and an initial customer deposit may be required if an escrow account for these Items is established. Loan approval is subject to credit approval and program guidelines. 感兴趣 rates and program terms are subject to change without notice. Property insurance and the fee to release an existing mortgage may be required. Fixed rate home equity loans are not available in 1st lien position. 房屋净值 贷款 and lines of credit are available on California primary residences only.

2 Patelco runs a “soft” credit pull to determine which pre-qualification offer you qualify for. 这不会影响你的信用评分. 如果您选择继续进行贷款申请, Patelco will request your full 信用报告 from one or more 信用报告ing agencies. 这将是一个“硬”拉,可能会影响你的信用. 如果有必要的话, we may also share certain information about you with third parties, 比如我们的保险公司, 处理您的要求.

3 The minimum credit line amount is $10,000 and the maximum is $500,000. 帕特尔科信用合作社 will pay customary closing costs on lines up to $250,000(不包括ADU房屋净值信贷额度). If your Account is opened under the “No Closing Cost” loan program, there will be no lender fee and no charge for customary closing costs including: 汽车mated Valuation Model (AVM) to determine property value, 出借人产权保险, 快递, 点, 线的费用, 公证, 托管费用, Patelco文件的记录, 洪水认证, 信用报告, 贷款发放, 或者是税务服务. Only these fees listed will be paid by 帕特尔科信用合作社 if the stated services are conducted through our preferred service providers. If conditions for the “No Closing Cost” program are not met, including the use of service providers associated with the program, then you will be responsible for any associated closing fees which will not be paid by 帕特尔科信用合作社. The “No Closing Cost” program does not include extraordinary items, including but not limited to the following: residential real estate appraisals, 同一贷款交易的附加信用报告, 授予契约和任何相关的公证费或记录费, 错过评估预约或“差旅费”, 太阳能提升或终止, and any fees to close another account as the result of this Account. Borrower is responsible for closing costs on lines over $250,000. 成交费用从0美元到2500美元不等. 此报价不包括托管或录音费用, or additional 公证 fees that may result from changes in title, 授予或公证任命.

比较

向上箭头键
" class="hidden">平顶山赶集网 " class="hidden">潍坊实验中学