再融资 your mortgage

Save on your current loan or switch to a different term


Refinancing your mortgage can have 大的好处

We know your financial picture can change over time, 你第一次买房时收到的贷款可能需要改变,以更好地与你目前的计划和财务状况保持一致. Whether you want to reduce your loan term, lower your interest rate, or access equity from your home, refinancing can be a smart way to help you meet your goals.

当你再融资时,你用一笔新的贷款取代了你目前的抵押贷款. 你的新抵押贷款将有不同的利率(可调或固定利率选项), 每月的付款, 和 overall term (choose from 10,15, 20或30年). 你可能有几个原因想要再融资,但这里有一些最常见的:

  • Reduce your rate or 每月的付款
  • Save on interest over time
  • Switch to a different loan term to meet short or long-term goals
  • Pay off your loan faster
  • Take cash out from your home’s equity

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 to discuss your options.

再融资的好处

A shield with a check mark. 图标.

有竞争力的价格

Variety of fixed 和 adjustable-rate options

专家建议

Personalized advice 和 guidance at each step – find your 置业贷款顾问

灵活的条款

长达30年

节约成本

Opportunities to save with low rates 和 fees

Dedicated loan support

In-house loan servicing throughout the life of your loan

股本建设者®

利用我们特殊的两周付款功能,更快地还清贷款1

再融资 Fixed 利率

利率 Effective 11/27/2023

贷款项目

4月2

4月1

1803330年期固定$50,000 to $726,2007.250%7.348%27/11/202327/11/2023
1803620年的固定$50,000 to $726,2006.875%6.996%07/11/202307/11/2023
1804115年固定$50,000 to $726,2006.875%7.026%07/11/202307/11/2023
1804610年期固定$50,000 to $726,2006.625%6.831%06/11/202306/11/2023
1805730年固定巨型$726,201 to $2,500,0008.000%8.090%09/11/202309/11/2023
1806115年固定巨型$726,201 to $2,500,0007.625% 7.760%09/11/202309/11/2023

再融资 Adjustable 利率

利率 Effective 10/13/2023

贷款项目

4月2

4月1

20673

5/1 30-Year Adjustable3

$50,000 to $726,2007.8757.91013/10/2023$726,200$1,500,000
20676

5/5 30-Year Adjustable4

$50,000 to $726,2008.0007.29828/09/2023
20681

7/1 30-Year Adjustable3

$50,000 to $726,2007.8757.92527/09/2023
20666

10/1 30-Year Adjustable3

$50,000 to $726,2008.0008.03227/09/2023
20667

10/1 30-Year Adjustable3

$50,000 to $726,2008.1257.84728/09/2023
20688

5/1 30-Year Adjustable 巨型3

$726,201 to $2,500,0007.2507.62227/09/20231
20693

5/5 30-Year Adjustable 巨型4

$726,201 to $2,500,0007.3757.01028/09/20231
20694

7/1 30-Year Adjustable 巨型3

$726,201 to $2,500,0007.2507.56227/09/20231
20682

10/1 30-Year Adjustable 巨型3

$726,201 to $2,500,0007.3757.57627/09/20231
20687

10/10 30-Year Adjustable 巨型5

$726,201 to $2,500,0007.7507.63905/10/20231

再融资的计算器

See if refinancing makes sense for you. 请查看 计算器.

Frequently Asked Questions

    rate 和 term refinance 用新的利率或期限取代你目前的抵押贷款,你欠你目前的贷款金额被转移到新的贷款. 如果你想降低你当前的利率或付款,或者想改变你的贷款期限,你可以选择这种类型的再融资. 例如, 如果你目前有一个30年的固定抵押贷款,并希望切换到15年的期限, a rate 和 term refinance is for you.
    与一个 通过再融资 你借的钱比你目前的抵押贷款余额多,用你的房屋净值作为抵押品. 例如, 如果你有400美元,你的贷款本金余额为1000美元,你想再借50美元(“套现”),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.

    从你申请到你的新贷款结束,通常需要大约45天. It may seem like a long time, 但这很简单, 大部分繁重的工作都是由我们的团队完成的,因为我们会审查和承保你的新贷款. 申请后, if you’re not already working with a 置业贷款顾问, we will find one for you, 他们会和你一起审查和要求我们可能需要的任何项目(比如你的收入), 资产, 和信用记录). 他们将与您密切合作,并将让您在重要的里程碑更新,如您的贷款批准, loan signing 和 closing.

    A refinance is tied to your first mortgage on your home, 当你取出现金时,你借的钱比你所欠的钱多, but you still only have one loan 和 payment. A home equity loan (fixed-rate second mortgage) or home equity line of credit (浮动利率信贷额度)是针对你的房屋的单独贷款. Your first mortgage remains untouched, 你的房屋净值贷款或房屋净值信用额度是用来获得现金,你可能需要立即或未来的需要.

    如果你想利用你的房屋资产,有几个选择——从 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. 一些第一次抵押贷款固定利率较低的房主可能不想再融资到更高的利率或付款, 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 所以他们可以给你一个完整的成本和选择的细分,并为你的个人目标推荐一个解决方案.

Patelco房屋贷款顾问帮助会员为他们的抵押贷款再融资.
Get refinancing advice from our experts

如果你正在考虑再融资,我们知道有很多事情要考虑. 每个人的情况都是独特的,有很多因素在起作用——包括你目前的抵押贷款和支付,以及今天的利率.

Let us help you explore your options. 我们的房屋贷款顾问是经验丰富的专业人士,他们将审查您当前的贷款和目标,以确定最适合您的整体财务计划. 他们位于当地,对旧金山湾区有独特的理解, 萨克拉门托地区, 及以后.

找一个顾问
More ways to access your equity
我们提供额外的方法来利用您的房屋净值,作为您现有抵押贷款再融资的替代方案. 我们的房屋净值贷款和信用额度允许您通过使用您在家中建立的股权来解决大大小小的项目,以帮助您实现财务目标.

1 股本建设者是针对特定的Patelco抵押贷款产品的双周付款选项. 双周付款选项提供了减少的年数,提前还款日和减少的利息支付取决于贷款金额, 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:

  • Conforming: Loan amount of $726,200 + closing costs
  • 巨型: Loan amount of $1,500,000 + closing costs
  • 所显示的抵押贷款利率是基于30天的购买交易锁定

率 shown at 60% loan-to-value (LTV), 自住购买,信用良好,无从属融资. 您的费率可能与显示的不同,在某些情况下会有价格调整. 请使用利率计算器在我们的抵押贷款申请网站收到一个更好的估计您的情况. 利率, 条款, 条件, 可随时更改或取消,恕不另行通知. 此处的任何内容都不应被解释为提供或承诺贷款. 贷款 are subject to credit 和 property approval. Other 条件 和 restrictions may apply. Hazard insurance may be required. NMLS ID Number is 506373.

3 该指数是将1年期美国国债按固定期限调整为1年的周平均值, as made available by the Federal Reserve. 根据初始利率,上限为每年2%,终身6%. The current index is 5.24%. Your rate may be different than what is shown.

4 该指数(对于5/5产品)是5年期美国国债调整为5年期固定期限的周平均值, as made available by the Federal Reserve. 上限为每次调整的2%和基于初始速率的5%寿命. The current index is 4.42. Your rate may be different than what is shown.

5 该指数(用于10/10产品)是10年期美国国债调整为10年期固定期限的周平均值, as made available by the Federal Reserve. 上限为每次调整的3%和基于初始利率的6%. The current index is 4.44. Your rate may be different than what is shown.

比较

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