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Fixed-Rate Mortgages

Low rates and flexible options with up to 30-year terms available.

Fixed rates

Fixed payments

Low down payment

As low as 3%

Expert and local guidance

With a Home Loan Consultant

What is a fixed-rate mortgage?

A fixed-rate mortgage is exactly that. 一种利率固定的抵押贷款，在整个贷款期限内保持不变. It offers you consistency to help make it easier to set up your budget.

With a fixed-rate mortgage, the amount you pay toward the mortgage itself, the part that’s made up of your principal and interest, won’t change. 如果你认为利率会上升，而你又想保持当前的市场利率，那么固定利率抵押贷款是一个不错的选择. In addition, if you see yourself staying in your home for a long time, are on a fixed income, and don’t expect to refinance, a fixed-rate mortgage may be the right option for you.

Home sweet home loan benefits

Low rates, flexible options

Competitive rates, flexible loan programs and down payment options

Expert advice and guidance

Personalized advice and guidance at each step – find your Home Loan Consultant

Homebuyer resources

Search for properties, receive special discounts and more with Home Advantage

Fast and free pre-approvals

Make offers with confidence and get pre-approved upfront

Lock while you shop

一旦预先批准，我们会在你买房的30天内兑现你的房费1

On-time closings

We work fast to meet your closing deadlines on time

Purchase Fixed Rates

Rates Effective 06/13/2024

Loan Program

Amount

Rate

APR2
30-Year Fixed $50,000 to $766,550 6.875% 6.966%
30-Year Fixed (No Closing Costs, 3% Down) $50,000 to $766,550 7.375% 7.439%
20-Year Fixed $50,000 to $766,550 6.375% 6.486%
15-Year Fixed $50,000 to $766,550 6.375% 6.514%
10-Year Fixed $50,000 to $766,550 6.125% 6.315%
30-Year Fixed Jumbo $766,551 to $2,500,000 6.750% 6.823%
15-Year Fixed Jumbo $766,551 to $2,500,000 6.750% 6.869%
15-Year Fixed High Balance $766,551 to $1,149,825 7.250% 7.392%
30-Year Fixed High Balance $766,551 to $1,149,825 7.125% 7.211%

Mortgage Calculator

How much home can I afford? (Below, “每月子女抚养费”是指按月支付的子女抚养费, not to income from child support.)

所提供的计算仅用于演示目的，并不保证所显示的利率和条款获得信贷批准.

Frequently Asked Questions

  • 固定利率抵押贷款的利率在整个贷款期限内保持不变. 这是一种受欢迎的贷款选择，因为它提供了稳定性和一致性. 你不必担心抵押贷款利率的变化, so your principal and interest charges will remain the same. No matter what happens after you secure your loan, the rate at which you locked in your loan remains the same. Keep in mind, 如果你的抵押贷款支付包括业主保险或财产税, then it might fluctuate due to changes in those costs.

    Your mortgage loan’s interest rate is affected by a variety of things, including your credit score, down payment, and the amount of your mortgage loan, among other factors. We encourage you to use our mortgage loan calculator to see your options.
    固定利率和可调利率抵押贷款的区别在于, for an adjustable-rate mortgage, the interest rate may go up or down. With a fixed-rate mortgage, 利率是在你贷款的时候设定的，在贷款期限内不会改变.
    这是一个常见的误解，你需要20%的首付买房子. 事实上，你可以用低至3%的首付买到一套房子，而且没有交易费用.3 我们提供了几个项目，旨在帮助人们更负担得起房屋所有权.
    Here’s an overview of the most common options and their benefits:

    3% Down First Time Buyer Loan

    • Low down payment helps preserve cash and save on closing costs
    • 3% down with no closing costs3
    • Borrow up to $766,550

    WISH Down Payment Assistance Loan

    • 通过4比1的匹配补助金(购房者每捐赠1美元，就能获得4美元)，获得最高22,000美元的援助。4
    • Available to first time buyers (certain income restrictions apply)
    • Borrow up to $766,550

    5% Down Loan

    • 让您以较低的首付款，在较高的价格范围内购买房屋
    • 5% down and borrow up to $1 million5
    • Mortgage insurance

    10% Down Piggyback Loan

    • Helps maximize your buying power by providing a 20% down payment
    • 10%下降+ 10%从第二抵押贷款(房屋净值信贷额度)在收盘时获得
    • Borrow up to $2 million
Connect with a Home Loan Consultant

买房是一个重要的里程碑，也是你将做出的最大的财务决定之一. But it can be stressful if you’re unsure of what to expect.

我们的住房贷款顾问将回答您所有的问题，让您充分准备和了解每一步的方式.

Whether it’s your first home, a vacation property or an investment purchase, 我们的房屋贷款顾问将与您会面，讨论您的计划和目标.

他们位于当地，对湾区和萨克拉门托地区有独特的理解.

利用与当地专家而不是全国专家打交道的优势.

Find a Consultant Connect with a Home Loan Consultant
Dreams come true with affordable home loans
无论你是想买你的第一套房子，还是需要更多的空间来容纳你不断壮大的家庭, we can help make your home ownership goals a reality.
Apply Today Dreams come true with affordable home loans

Home Buying Basics

Learn more through our Financial Wellness library.

1 锁店计划只适用于首次按揭大额贷款购买交易. Must have a home loan application with Patelco to lock in a rate. Patelco will honor your rate up to 30 days from the date it is locked. 一旦收到一份完全执行的购买合同，在贷款资金到位之前，利率将以该利率为准.

2 APR = Annual Percentage Rate. APRs are based on the following:

  • Conforming: Loan amount of $766,550 + closing costs
  • High Balance: Loan amount of $1,000,000 + closing costs
  • Jumbo: Loan amount of   + closing costs
  • 所显示的抵押贷款利率是基于30天的购买交易锁定

Rate 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. Please use the rate calculator 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.

High-Balance Mortgages allow for higher loan limits beyond the $766,550 conforming limit up to $1,000,000.由联邦金融局(FHFA)确定的高成本地区为00美元。. 这些更高的限制旨在使房价最高的地区更容易负担得起房屋所有权，这些地区的房价通常低于巨额抵押贷款.

3 Closing costs fees include applicable title, 托管和记录费用，并将出现在成交披露. 评估和信用报告费用将由会员预先支付，并在交易结束时偿还. Hazard Insurance, Taxes, HOA fees, Purchase Owner’s Policy and Transfer Tax are not covered by Patelco. 至少有一名借款人是首次购房者(在过去三年内没有房产所有权). 适用于购买单户住宅和30年固定贷款，最低FICO为740.

4  WISH program is not available in all counties. Loans subject to credit and collateral approval. Terms and conditions are subject to change. 参加WISH计划并不能保证购房者收到资金. The grant recipients must sign a Promissory Note, 信托契约和信托契约附加条款，将对标的财产设置留置权，留置权的数额将在该财产上保留五年. 借款人每保留该物业为主要居所的房屋所有权一年，所欠款额将减少20%. 只要购房者居住在该物业并遵守赠款条款，就无需支付赠款. 五(5)年后，授予被免除，财产的留置权被解除. 这是一种固定利率的贷款，在贷款期间每月固定支付本金和利息. Loan amounts available up to $766,550 on 1-unit properties. Mortgage insurance is required for loans exceeding 80% LTV. 适用最低信用评分和准备金要求，并可能影响可以借款的金额以及您符合资格的利率/年利率. Family income must not exceed 80% of the HUD Income Area Limits.

5 符合资格的贷款金额和95%的贷款价值比(LTV)适用于15年和30年固定巨额抵押贷款. 超过80% LTV的贷款需要抵押贷款保险(10%首付的“组合贷款”除外，最高200万美元), which are only available in CA).

Rates, terms, conditions, 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. Loans are subject to credit and property approval. Other conditions and restrictions may apply. Hazard insurance may be required. NMLS ID Number is 506373.

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