再融资，把旧的抵押贷款换成新的更好的抵押贷款. 

利率在变化，十大彩票游戏平台的需求和财务状况也在变化. What worked for you when you first got your mortgage might not be working now. 再融资你的抵押贷款允许你改变你的利率, 按月付款及贷款条款，更切合您的需要.

Benefits of Refinancing Your Mortgage with 十大可靠彩票平台

Whether you have an existing 十大可靠彩票平台 mortgage loan or one with another lender, 十大彩票游戏平台有可以帮你省钱的选择.

抵押贷款再融资的一些好处包括:

  • 减少月供: Refinancing can help you lower your monthly payment by increasing your term and/or lowering your interest rate. This can be a great option if your income situation changes and you need to lower your mortgage payment.
  • 减少贷款利息总额; 通过缩短贷款期限或降低利率, you can decrease the total interest you pay over the life of the loan. This is especially true if you switch from an Adjustable Rate Mortgage (ARM) to a Fixed-Rate Mortgage when rates are low.
  • 合并其他债务: Refinancing can be an option if you have a Home Equity Loan or Home Equity 信贷额度 and can save money by consolidating it into your mortgage.
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抵押贷款利率 

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

成员评论

    五星级

    “我已经向顺丰联邦储蓄银行提供了两笔HELOC贷款.  They were great to work with: professional, responsive, and thorough.   I would recommend them to anyone I am very happy with the process”

    威廉F.
    五星级

    最近我想申请一笔个人贷款.  [The] digital sales rep @ the Golden Gate branch responded to me promptly and was really helpful.  After pre-qualifying me for a loan she helped me determine that a credit card (with a much lower interest rate) was the better option for me.  I liked the fact that [she] steered me to an option that may be less income to the 十大彩票游戏平台 but is a better choice for me personally.  The whole process from my first contacting the 十大彩票游戏平台 regarding a loan to getting the credit card took only 7 days.

    玛丽亚L.
    五星级

    “The SF Federal Credit Union has been a great banking experience for me.  I have been a member for more than 30 years and never had a bad experience.”

    外祖母玛米.
    五星级

    “史上最佳银行”!!! Staff are so helpful and make you feel like they’ve known you forever. I have never encountered a banking problem or situation that the SFFCU team hasn’t found a way to help solve! I wish there was a branch in San Jose but I’ve only had to travel to my actual branch about 5-6 times in my 25 years of being a member! 在线服务非常受欢迎!”

    “I joined many years ago…There’s nothing I don’t like about them…It’s like a family. And because they offer an exceptionally new and used vehicle buying program that includes motorboats [and] motorcycles. 他们善良体贴.”

    Rosalinda罗德里格斯
    五星级

    “抵押贷款团队在锁定我的利率方面表现得非常出色, 指示我及时拿到文件, 而且会提前结束. 他们是一个伟大的团队，我对我的抵押贷款很满意! 特别感谢他们所做的一切!”

    安妮特B.
    五星级

    “申请汽车贷款时，银行助理很有帮助. Our loan Specialist was on vacation and he took over and processed our loan within a couple of hours. 我强烈推荐他们，因为他们出色的客户服务.”

    五星级

    多么新鲜的空气啊!! Having considerate compassionate individuals that absolutely represent the needs of people. 请和我一起起立为世行副行长鼓掌, who went above and beyond the call of duty using her professional approach to solve the problem. 谢谢，谢谢，谢谢!

    五星级

    We have been a SFFCU member for over 40+ years and have always received good service from staff, 亲自或通过电话联系. 最近, we needed assistance with wiring funds to a title company with the lending institution giving us the “hurry up” mode. 十大彩票游戏平台去了伯林盖姆分行，找到了分行经理. 我的天啊, they helped us tremendously in assisting us with the wiring info that the title company requested in an expeditious manner. 他们没有丢下十大彩票游戏平台不管. They stayed with us until the title company was completely satisfied. They checked on each step we were going through with the title company and lender. They called and emailed us throughout the afternoon which felt like a week. 全体员工都帮助十大彩票游戏平台完成了明天的打烊. 他们非常友好、快乐、有趣，而且精通金融. Check the Branch Manager out at the Burlingame Branch; you won’t be disappointed.

    刘若英 & 辛西娅

按揭再融资常见问题

问:我应该什么时候再申请按揭贷款?

A:如果你想为你的房子再融资以省钱, take time to do the math and determine if it will actually get you the right amount of money. Consider the amount of time you plan to stay in your home as well as the impact of things like closing costs and pre-payment penalties.

Here are some indicators that it’s probably time to consider refinancing:

  • 如果是在你的抵押贷款期限的早期. Refinancing is usually best if you’ve been in your home a short time as your payments are primarily going toward interest. Down the road when you shift to paying more principal than the interest, 保留你最初的贷款可能是最好的.
  • 如果利率下降. 如果抵押贷款利率下降，这可能是再融资的好时机. By either keeping your current repayment term and lowering your monthly payments or keeping your monthly payments relatively the same and shortening your repayment terms, 你可以降低你的总借贷成本.
  • 如果你的房子增值了. 如果你的房子已经大幅增值, refinancing may allow you to take advantage of that boost in equity. You could then use those funds to pay off debt or make a large purchase.

问:我为什么要再融资?

A:如果你想降低月供的话, 尽早还清你的房贷, 或者通过降低利率来节省利息, 你可能想为你的抵押贷款再融资:

  • 如果是在你的抵押贷款期限的早期. Refinancing is usually best if you’ve been in your home a short time as your payments are primarily going toward interest. Down the road when you shift to paying more principal than the interest, 保留你最初的贷款可能是最好的.
  • 如果利率下降. 如果抵押贷款利率下降，这可能是再融资的好时机. By either keeping your current repayment term and lowering your monthly payments or keeping your monthly payments relatively the same and shortening your repayment terms, 你可以降低你的总借贷成本.
  • 如果你的房子增值了. 如果你的房子已经大幅增值, refinancing may allow you to take advantage of that boost in equity. You could then use those funds to pay off debt or make a large purchase.

问:按揭贷款的年利率是如何确定的?

答:抵押贷款指数的利率每天都有所不同 优惠利率，这是美国.S. 美联储的影响. 从那里, we determine what rate you qualify for by checking such things as your credit score, 付款记录和工作记录. 你的财务状况越好，提供给你的利率就越低.

获取有关抵押贷款变量的信息, please contact us to speak to one of our knowledgeable mortgage team members at 800-852-7598, 2977分机.

按揭贷款资源

Manage your next mortgage loan with 十大可靠彩票平台’s helpful tools and resources.

Get the Mortgage to Fit Your Needs With 十大可靠彩票平台 

With the right mortgage, you’ll be one step closer to reaching your financial goals. Let 十大可靠彩票平台 help you find the perfect mortgage.

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