房屋净值贷款 & 信贷额度
Is it finally time to complete that renovation or home improvement project? 无论你心中有什么目标, Cal Coast offers flexible options for home equity and home equity lines of credit to make your dreams a reality.
获得你应得的荣誉
别再拖延了! Build that outdoor deck, remodel your kitchen, or fix that leaking roof. It’s easy with a low introductory rate on a line of credit1 或者固定利率²权益贷款.
什么是房屋净值贷款 & 信贷额度?
Both of the loans described below have specific advantages. If you're not sure which is right for you, we suggest you reach out to one of our Mortgage Loan Officers who are happy to provide guidance for your unique situation.
房屋净值贷款 (also known as 2nd mortgages or Cash-Out 再融资s), allow homeowners to borrow funds using their home equity as collateral. 这些都是一次性的, fixed-rate loans where the borrower receives the full loan amount upfront as a lump sum. Borrowers can qualify for a home equity loan even if there is an existing mortgage on the property.
房屋净值 信贷额度 (HELOC) 与房屋净值贷款相似吗, but instead of a lump sum the funds are accessed, with a credit card or checking account, 通过循环信用额度. Another difference to keep in mind is that the interest rate for a HELOC is adjustable. 通常, heloc有一个抽签期, during which you can withdraw money, 还有还款期, during which you must payback the balance. At Cal Coast our HELOCs have a 10-year draw period, 只付利息, 还款期为15年.1
什么时候应该考虑HELOC?
HELOC可能是一个很好的选择，如果:
- You don't need the entire loan amount upfront
- You need to access funds directly with a credit card
- You want the flexibility to draw money when you need it and pay interest only on the amount borrowed
When should you consider a 房屋净值贷款?
A 房屋净值贷款 can be a great option if:
- You need the full loan amount upfront
- 你重视稳定性
- You prefer a fixed-rate and knowing that your payment will never change
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@newmanhunt.net
Make an appointment when it's convenient for you.
A one-on-one call with a Mortgage Loan Officer can be extremely helpful. You can ask questions and even submit your application over the phone.
Take the next step and apply for a home loan online.
It's easy to get started with our secure, mobile-friendly application. Plus, you can always save your progress and pick up where you left off at a later time.
Review your options with a Mortgage Loan Officer.
Answer a few questions and a home loan expert will reach out to help you.
年利率. 利率 and terms effective as of 05/08/2024 based on credit history, 须经批准, and subject to change without notice. 有一些限制. 会员 and credit 须经批准. Serving everyone who lives or works in San Diego or Riverside counties. A one-time $5 membership fee and savings account required. 限制.
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有问题? 想了解更多信息? We’re more than happy to get in touch. 大家一起说. 填好表格.
