买房

Get the perfect mortgage for your home purchase. 选择固定利率或浮动利率的抵押贷款, down payments and closing cost options.

Start Your Home Ownership Journey

加州海岸有负担得起的住房贷款选择,旨在满足您的需求-无论您是在寻找您的第一个家,还是需要升级到一个更大的家,以满足您不断增长的家庭.

准备在你出价前得到预先批准?

通过电话877-495-1600或发送电子邮件到 RealEstateLoanOfficer@xgenv.com for a personal consultation.

Fixed-rate 抵押贷款

我们的 fixed-rate mortgages 知道你的月供在整个房屋贷款期限内保持不变,能让你安心吗. 选择我们的各种条款,首付款和成交成本选项.

Fixed-rate Mortgage Options:  
  • $0 out of pocket options
  • Jumbo home loans 可用
  • Interest may be tax deductible2

Adjustable-rate Mortgage (ARM)

如果你想在房屋贷款开始时支付较低的固定利率, 浮动利率抵押贷款可能适合你. ARM让你的抵押贷款利率固定在一个固定的期限,然后它变成一个可变利率贷款,当利率在贷款期限内发生变化时进行调整. 选择我们的各种可调利率条款,首付款和成交成本选项.

Adjustable-rate Mortgage Options:
  • $0 out of pocket options
  • 利率/定期购买的贷款价值比高达95%1
  • Interest may be tax deductible2
  • Down payment as low as 5%3

我们在这里帮助您打开您的住房贷款或找到合适的选择,以满足您的需求. 请致电(877)495-1600或立即在线申请.

Talk to an Expert

打电话或发电子邮件与抵押贷款官员联系.

我们的 friendly home loan experts are here to help!
(858) 636-3045 Mon-Fri, 9am - 4pm
realestateloanofficer@xgenv.com

预约通话

你方便的时候再预约吧.

一个一对一的电话与抵押贷款官员可以非常有帮助. 你可以通过电话提问,甚至提交申请.

Understand the ins and outs

熟悉买房的过程.

有了正确的行动计划,买房子就容易多了. 要了解更多信息,向下滚动并探索我们全面的预批准指南.

与抵押贷款官一起审查您的选择.


 
回答几个问题,房屋贷款专家会伸出手来帮助你.
What's your estimated credit score?
What is your preferred method of contact? Select all that apply.

Cal Coast 房屋贷款 Center

Home Buying and 销售 服务

  • 我们的加州海岸家庭奖励计划让您可以访问南加州最新的房屋列表
  • 获得个性化的,及时的警报,当新的房屋上市可用
  • Guidance from a dedicated home buying expert
  • Sell your home for a flat 1.5%挂牌费 or Buy a home and earn a 20% commission rebate4

了解更多

Mortgage 计算器

购买或再融资房屋涉及许多财务决策. 利用我们的 计算器 to help you make the right decision. 

 

 

房屋贷款 Tips, Tools & 更多的

APR=Annual Percentage Rate. 根据信用记录,截至2024年4月7日的利率和条款, subject to credit approval, and subject to change without notice. 贷款 over 80% LTV require mortgage insurance. 付款例子不包括财产保险和税金, 而且支付的金额将高于披露的金额. 一些贷款可用于第二套住房和投资物业在不同的利率和条款. 会员 and credit subject to approval. 为每一个在圣地亚哥生活或工作的人服务, 河畔, 帝国, 橙色, 洛杉矶, 文图拉, and San Bernardino counties. 一次性5美元的会员费和储蓄账户是必需的. Restrictions apply.  

  1. 截至2019年3月22日的5%首付住房贷款利率和条款. 付款的例子是基于300美元的购买价格,000 with 5% down (95% LTV) and a $285,000 loan on a single-family, 业主自住的 home with a 30-year term. 3/1 ARM with a 3.250% rate has an APR of 5.278% and has monthly payments of $1,380.47. 5/1 ARM with a rate of 3.500% has an APR of 4.993% and has monthly payments of $1,384.28. 7/1 ARM with a rate of 3.875% has an APR of 4.959% and has monthly payments of $1,444.68 inclusive of mortgage insurance.
  2. Consult your tax advisor.
  3. 5/5 ARM优势,初始利率为7.4月7日.153% and monthly payments of $3,160.这笔贷款没有按揭保险. 这还不包括财产保险和税收. Payment example based on a 30-year term, property value $500,000, loan amount $475,000, 单身家庭, 业主自住的. 根据联邦储备委员会提供的5年期固定期限国债(CMT)指数利率的周平均值,每5年变动一次的利率, plus a margin of 2.50%. 最高调整上限为每5年2%及在贷款期限内5%.
  4. Excludes commission owed to buyer's agent. Rebate is awarded by Home Rewards Group, Inc. 在Home Rewards网络中选择并使用房地产代理的买家和卖家. 仅购买住宅物业可获20%的回扣. 交易结束时,款项记入你的帐内. 使用加州海岸信用合作社抵押贷款并不是获得回扣的必要条件. Purchase price must be greater than $150,000. 所有返利均受限制、贷方指导方针、州法律和其他要求的约束. 某些物业可能没有资格获得折扣. 请向合格的税务专业人士咨询有关收到退税的税务影响. Home Rewards Group, Inc. 不隶属于加州海岸信用社吗. Subject to change without notice.

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