We know your financial picture can change over time, 和 the loan you received when you first bought your home may need to change to better align with your current plans 和 finances. Whether you want to reduce your loan term, 降低你的利率, or access equity from your home, refinancing can be a smart way to help you meet your goals.
When you refinance, you replace your current mortgage with a new loan. Your new mortgage will have a different rate (adjustable or fixed-rate options are available), 每月的付款, 和 overall term (choose from 10,15, 20或30年). There are several reasons you may want to refinance, but here are some of the most common:
If you’re considering a refinance we can help – 在线申请 to get started or connect with a 置业贷款顾问 讨论你的选择.
Variety of fixed 和 adjustable-rate options
Personalized advice 和 guidance at each step – find your 置业贷款顾问
长达30年
Opportunities to save with low rates 和 fees
In-house loan servicing throughout the life of your loan
Take advantage of our special bi-weekly payment feature to pay off your loan faster1
利率 Effective 04/19/2024
| 贷款项目 | 量 | 率 | 4月2 4月1 | |||||
|---|---|---|---|---|---|---|---|---|
| 18033 | 30年期固定 | $50,000 to $766,550 | 7.250 | 7.346 | 19/04/2024 | 19/04/2024 | 1 | |
| 18036 | 20年的固定 | $50,000 to $766,550 | 7.000 | 7.121 | 07/11/2023 | 07/11/2023 | 2 | |
| 18041 | 15年固定 | $50,000 to $766,550 | 6.875 | 7.023 | 07/11/2023 | 07/11/2023 | 3 | |
| 18046 | 10年期固定 | $50,000 to $766,550 | 6.625 | 6.826 | 12/12/2023 | 12/12/2023 | 4 | |
| 18049 | 30年期固定 High Balance | $766,551 to $1,149,825 | 7.625 | 7.719 | 02/01/2024 | 02/01/2024 | 6 | |
| 18053 | 15年固定 High Balance | $766,551 to $1,149,825 | 7.750 | 7.901 | 02/01/2024 | 02/01/2024 | 5 | |
| 18057 | 30年固定巨型 | $766,551 to $2,500,000 | 7.500 | 7.583 | 09/11/2023 | 09/11/2023 | 7 | |
| 18061 | 15年固定巨型 | $766,551 to $2,500,000 | 7.375 | 7.505 | 09/11/2023 | 09/11/2023 | 8 |
利率 Effective 04/19/2024
| 贷款项目 | 量 | 率 | 4月2 | ||
|---|---|---|---|---|---|
| 18071 | 5/1 30年可调3 | $50,000 to $766,550 | 7.250 | 7.420 | 19/04/2024 |
| 18077 | 5/5 30年可调4 | $50,000 to $766,550 | 7.375 | 7.102 | 08/12/2023 |
| 18085 | 7/1 30年可调3 | $50,000 to $766,550 | 7.250 | 7.405 | 08/12/2023 |
| 18091 | 10/1 30年可调3 | $50,000 to $766,550 | 7.375 | 7.473 | 08/12/2023 |
| 18098 | 10/10 30年可调3 | $50,000 to $766,550 | 7.500 | 7.440 | 08/12/2023 |
| 18108 | 5/1 30年可调 巨型3 | $766,551 to $2,500,000 | 6.875 | 7.246 | 08/11/2023 |
| 18114 | 5/5 30年可调 巨型4 | $766,551 to $2,500,000 | 7.000 | 6.927 | 08/12/2023 |
| 18118 | 7/1 30年可调 巨型3 | $766,551 to $2,500,000 | 6.875 | 7.186 | 08/12/2023 |
| 18123 | 10/1 30年可调 巨型3 | $766,551 to $2,500,000 | 7.000 | 7.198 | 08/12/2023 |
| 18130 | 10/10 30年可调 巨型5 | $766,551 to $2,500,000 | 7.125 | 7.162 | 08/12/2023 |
See if refinancing makes sense for you. 请查看 计算器.
A 利率和期限再融资 replaces your current mortgage with a new rate or term 和 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. 例如, if you currently have a 30-year fixed mortgage 和 want to switch to a 15-year term, a 利率和期限再融资 is for you.
与一个 通过再融资 you borrow more than your current mortgage loan balance by using your home’s equity as collateral. 例如, 如果你有400美元,000 principal balance on your loan 和 you want to borrow (“cash out”) an additional $50,000, depending on how much equity you have available, you could refinance your new loan at $450,000. 50美元,000 difference is paid to you at closing, but your rate 和 payment are based on the $450,000年平衡.
From the time you apply to the closing of your new loan, typically takes about 45 days. It may seem like a long time, 但这很简单, 和 most of the heavy lifting is done by our team as we review 和 underwrite your new loan. 申请后, if you’re not already working with a 置业贷款顾问, 我们会给你找一个, 和 they will work with you to review 和 request any items we may need (such as your income, 资产, 和信用记录). They’ll work closely with you 和 will keep you updated on important milestones such as your loan approval, 贷款签署及结清.
A refinance is tied to your first mortgage on your home, 和 when you take cash out you’re borrowing more than you owe on your loan, but you still only have one loan 和 payment. A home equity loan (fixed-rate second mortgage) or home equity line of credit (variable-rate line of credit) are separate loans against your home. Your first mortgage remains untouched, 和 your home equity loan or home equity line of credit 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 房屋净值贷款 和 信贷额度, to a 通过再融资 or even a 个人贷款 (not tied to your home or any collateral). When reviewing your options, you’ll want to consider your current interest rate 和 payment, 你的新付款, how much you’ll need 和 how fast you need the funds. Some homeowners with low fixed rates on their first mortgage may not want to refinance into a higher rate or payment, so a home equity loan or line of credit, or even a 个人贷款 may be better suited. There’s a lot to think about 和 that’s what we’re here for! It’s best to connect with a 置业贷款顾问 so they can give you a complete breakdown of your costs 和 options 和 recommend a solution for your individual goals.
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If you’re considering refinancing, we know there’s a lot to think about. Everyone’s situation is unique 和 there are multiple factors at play – including your current mortgage 和 payment 和 where rates are today.
Let us help you explore your options. Our 置业贷款顾问s are experienced professionals who will review your current loan 和 goals to determine what works best for your overall financial plan. They’re located locally 和 have a unique underst和ing of the Bay Area, 萨克拉门托地区, 及以后.
1 股本建设者 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 和 reduced interest paid depends on loan amount, 利率, 和 every two weeks or weekly payment plan start time. Talk to a Patelco 置业贷款顾问 for details.
2 4月 = Annual Percentage 率. 4月s are based on the following:
率 shown at 60% loan-to-value (LTV), owner-occupied purchase with excellent credit 和 no subordinate financing. Your rate may be different than what is shown, there are pricing adjustments on certain scenarios. Please use the rate 计算器 on our mortgage application site to receive a better estimate for your scenario. 利率, 条款, 条件, 和 availability are subject to change or withdrawal at any time 和 without notice. Nothing herein is or should be interpreted as an offer or commitment to lend. 贷款 are subject to credit 和 property approval. Other 条件 和 restrictions may apply. Hazard insurance may be required. NMLS ID号码为506373.
High-Balance Mortgages allow for higher loan limits beyond the $766,550 conforming limit up to $1,000,000.00 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 和 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, as made available by the Federal Reserve. The caps are 2% annually 和 6% lifetime based on the initial rate. 目前的指数是5.18%. Your rate may be different than what is shown.
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, as made available by the Federal Reserve. The caps are 2% every adjustment 和 5% lifetime based on the initial rate. 目前的指数是4.69. Your rate may be different than what is shown.
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, as made available by the Federal Reserve. The caps are 3% every adjustment 和 6% lifetime based on the initial rate. 目前的指数是4.67. Your rate may be different than what is shown.
