下跌0% Adjustable 率 抵押贷款 (ARM)¹
无需首付款 mortgage solution!
无需首付款? 没有问题.
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.
什么是0%首付按揭贷款?¹
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.
- 无需首付款
- 没有最高入息限额
- 7年期固定利率
When should you consider a 下跌0% ARM loan?
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.
特性
| 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 |
Review 你的 options with a Mortgage Loan Officer.
Answer a few questions and a home loan expert will reach out to help you.
房屋贷款资源
Call or email to connect with a Mortgage Loan Officer.
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@warawanresort.com
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Familiarize 你的self with the home buying process.
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.
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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.
