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忘记租房! With Cal Coast's Zero Down¹ mortgage loan, you may be able to move into 你的 dream home faster than you think.
A 下跌0% ARM loan is a type of home loan we offer where you don't have to pay anything towards a down payment. We only offer these loans for new home purchases. 传统上, when you take on a mortgage to purchase a home you usually need to put down a certain percentage of the property's price to secure the loan— which can be a significant amount of money.
Our Zero Down mortgages are adjustable rate loans, meaning after the initial 7-year, fixed-rate period 你的 monthly payment and interest rate are subject to change on an annual basis.
A Zero Down mortgage can be a good option if you want to purchase a home but you don't have a lot of money to put towards a down payment. It can give you the chance to become a home owner in the near future, instead of waiting for years to save. Without the need to pay a hefty down payment you could use 你的 money for important things like furnishing 你的 new home or handling unexpected expenses.
Unfortunately, not everyone can qualify for a 下跌0% mortgage. Some factors that help determine 你的 eligibility include an excellent credit score and a steady income. You should keep in mind that these loans have adjustable rates. If you decide to take on a 下跌0% ARM loan it may be in 你的 best interest to refinance before the initial fixed-rate period is over.
下跌0% without mortgage insurance¹ | 下跌0% with mortgage insurance² | |
---|---|---|
条款 | 7/1的手臂 | 7/1的手臂 |
抵押贷款保险 | 没有每月保险 | 低于标准保费 |
最高贷款额 (圣地亚哥) | $766,550 | $766,550 |
首付 | 下跌0% | 下跌0% |
交易类型 | 购买 | 购买 |
财产的使用 | 业主占领 | 业主占领 |
属性类型 | 单户住宅,公寓 | Single family residence, Townhouse, Condo |
贷款人成本信贷 | 允许卖方信用证 | 允许卖方信用证 |
特殊要求 | First-time home buyers (have not owned property in the past 3 years) | 1%借款人出资 |
Our friendly home loan experts are here to help!
(858) 636-3045 周一至周五,上午9点至下午4点
realestateloanofficer@elcoyoterentals.com
A personalized preapproval letter shows sellers you’re a serious buyer. See what it takes to get preapproved in as little as 24 hours.
Having the right action plan can make buying a home a lot easier. Check out this helpful article with 8 tips for first-time home buyers.
Have a question about 你的 account, applying for a loan or perhaps you're ready to talk refinancing? 无论你有什么问题或需要, our Member Service Center is always happily available to walk you through every step of the process with 你的 以最大利益为重.