Bring your dreams home with a fixed-rate mortgage from gpk电子游戏官网.

Fixed-rate mortgages give you the stability of fixed monthly payments for the life of the loan because the interest rate never changes. That makes fixed-rate loans an excellent option if you’re planning to stay in your home for years to come and want security against rising interest rates.

gpk电子游戏官网 offers both Conforming and Jumbo fixed-rate loans. Jumbo loans are perfect if you need a loan amount over the standard conforming loan limit, 目前726美元,200.

固定利率按揭贷款的好处

Fixed-rate mortgage loans are one of the most popular mortgage loans for a good reason. They give you predictability and consistency that make it easy to budget.

Benefits of a fixed-rate mortgage loan include:

  • 每月一致的付款: You know exactly how much your payments are each month. There are no surprises or fluctuations because the interest rate is the same for the life of the loan. 
  • 对总利息的控制: Fixed-rate mortgage loans allow you to choose the total interest you’ll pay for the life of the loan. Select a 15-year mortgage, and you’ll pay less in total interest. Select a 30-year mortgage, and you’ll pay more in interest, but your monthly payments will be lower. 选择权在你.
  • 防范房价上涨的安全措施: Mortgage rates rise and fall with overall economic conditions. A fixed-rate mortgage loan protects you from the likelihood that rates will go up sometime in the future. 
  • Choice of a Conforming, Super-Conforming, or Jumbo loan: Fixed-rate mortgage loans are available in Conforming loan amounts up to $726,200, 超合规金额在726美元之间,200元及1元,089,300美元及1美元以上的大额贷款,089,300.
申请固定按揭贷款

抵押贷款利率

See our great rates for our whole line of mortgage products.

查看按揭利率

按揭贷款常见问题

Which factors can help me get the lowest interest rate on 我的抵押贷款?

Our mortgage officers consider your debt-to-income ratio, 信用记录, 首付, 房价, 贷款类型. 一般, applicants who have higher credit scores, 较低的整体债务, and a secure income can access lower rates.

我能负担多少住房贷款?

When you’re buying a home, mortgage lenders look at your income, assets, and 首付. They also consider your liabilities and obligations, 包括汽车贷款, 信用卡债务, 孩子的抚养费, 潜在的财产税和保险, 以及你的整体信用评级. These variables come together to determine the total loan amount. 

使用 这个抵押贷款计算器 will give you an idea of how much of a mortgage you may be able to obtain. 然而, we welcome you to speak with one of our mortgage professionals who can help you consider all the variables to determine the right loan and loan amount for you.

How is the interest rate on a mortgage determined?

Mortgage loan index rates vary from day to day based on 最优惠利率(由美国政府决定).S. 美国联邦储备理事会(美联储,fed)). 从那里, we determine what rate you qualify for by checking such things as your credit score, 付款历史, 工作经历. The better your finances, the lower the rate you are offered.

What is the difference between a fixed rate mortgage and an adjustable rate mortgage?

A fixed rate mortgage has an interest rate and monthly payment that never changes. An adjustable rate mortgage (ARM) has an interest rate that changes based on the Prime Rate, GPK电子游戏在上面提到过. The variable interest rate associated with an ARM means the monthly payments for that type of loan change with the changing interest rate. 

For information about mortgage loan variables, please contact us to speak to one of our knowledgeable mortgage team members at 800-852-7598，分机2977.

按揭贷款资源

At gpk电子游戏官网, we’re here to help you achieve your financial goals. Please see our helpful tools and resources or speak to one of our team members who are ready to support you.

  • 理财教育与咨询
  • 每月付款/分期付款
  • 抵押计算器

Get the Mortgage to Fit Your Needs With gpk电子游戏官网 

With the right mortgage, you’ll be one step closer to reaching your financial goals. Let gpk电子游戏官网 help you find the perfect mortgage today.

申请固定按揭贷款

*年利率百分比. 对于所有贷款, actual annual percentage rate is determined at the time a credit decision is rendered and may be higher than the lowest rate available. 信用记录, 贷款条件, 里程, age of collateral and amount borrowed are all factors that determine rate. Not all borrowers will qualify for the lowest rate. There are NEVER any prepayment penalties for repaying your loan early. All loans are subject to credit approval. 由NCUA联邦保险. 平等房屋贷款机构. 核磁测井# 416906

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