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Interest rates will adjust at the five-year mark, but don’t worry— Cal Coast has 你的 back. We cap 你的 interest rate adjustments to keep 你的 monthly payments predictable and within reach, as 你的 rate adjusts only once every five years.
A 5/5的手臂 loan is an adjustable-rate mortgage that offers a fixed interest rate for the first five years.
At Cal Coast we've gone the extra mile to support members who get a 5/5的手臂 loan. Many ARM loans have their interest rates adjusted annually, but with our 5/5的手臂 rates are only modified once every 5 years. We've also set a maximum adjustment cap of 2% every 5 years, and 5% over the life of the loan. This member-centric approach can help shield you from unwelcome payment surprises.
You may be able to save money by choosing a 5/5的手臂, as these loans typically offer a lower initial interest rate compared to fixed-rate mortgages. A 5/5的手臂 loan may be a good option if you:
With a 5/5的手臂, enjoy peace of mind— and 你的 dream home!
5/5的手臂 | 5/5臂优势 | |
---|---|---|
术语 | 5/5的手臂 | 5/5的手臂 |
最高贷款额 | $2,250,000 | $2,250,000 |
最低首付款 | 低至5%,视贷款金额而定1 | 低至5%,视贷款金额而定2 |
交易类型 | 购买或再融资 | 购买或再融资 |
财产的使用 | 业主自住,第二套住房,投资 | 业主自住,第二套住房,投资 |
属性类型 | 单户、共管公寓 | 单户、共管公寓 |
抵押贷款保险 | 标准每月保费 | Lender-paid |
贷款人结算费用 | 允许卖方信用证 | $2,500 lender credit³, 允许卖方信用证 |
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.
年利率
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.