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WSECU房屋贷款

找到合适的贷款来购买你的第一个家甜蜜的家.

首次购房. 未来的房主.

From hosting lively get-togethers to tending to the yard, homeownership brings excitement and pride. 但买房的过程可能有点吓人. 这就是WSECU来这里帮忙的原因. We’ll guide you every step of the way to make your first home purchase as smooth as can be.

让我的速度

一对夫妇围坐在炉火旁,在院子里烤棉花糖

它是如何工作的? 三个简单的步骤.

申请预批准.

看看你能负担得起多少,然后开始买房子.

出价.

在你的报价中包含预先批准. 完整应用程序.

近有信心.

签署结案文件,拿到你新家的钥匙.

为什么选择华大助学贷款?

我们有适合你财务状况的贷款.

买房子不一定是件头疼的事. 获得符合你预算的住房贷款. We offer competitive rates on mortgages so you can get into your dream home for less.

为什么选择华大助学贷款?

一个女人抚摸着一只狗

我们有适合你财务状况的贷款.

买房子不一定是件头疼的事. 获得符合你预算的住房贷款. We offer competitive rates on mortgages so you can get into your dream home for less.

两个孩子和一条狗坐在空房子里

我们总是来帮忙的.

这都是关于友好和个人的接触. 我们对待会员就像对待邻居一样——而不是数字. 如果你需要建议, information or want to share how excited you are about a recent open house, 我们在你身边.

小女孩在玩室内植物

你喜欢华盛顿. 所以我们.

作为会员拥有的非营利信用合作社, we’re pleased to offer 服务 at more than 21 locations throughout Washington state. When you have questions or need help with the homebuying process, 我们在你身边.

住房贷款WSECU提供

哪一种WSECU房贷适合你?

我们提供不同期限和利率的贷款, 所以我们可以适应不同的预算和首付. 探索我们的选择,找到一个最好的满足您的需求.

零低抵押贷款

If you have a strong credit score, you may qualify for a zero-down fixed- or adjustable-rate loan. WSECU为主要住宅购买提供100%的融资, 让许多首次购房者有了自己的房子.

 

让我的速度

大型抵押贷款

你需要超过776美元的住房贷款吗,250年国王, 皮尔斯, 或史诺霍米什县或超过548美元,华盛顿州其他地方也有250人? 你可以从WSECU获得一笔固定利率的大额贷款 发放的费用向金融机构贷款所收取的费用.!

 

让我的速度

30年期固定抵押贷款

最低首付款为5%, you can enjoy consistent mortgage payments and a rate that won't change over time. Private mortgage insurance (采购经理人指数) is not required for down payments of 20% or more.

视图的假设

让我的速度

抵押贷款负担能力的计算器

我能买得起多少房子?

回答三个问题来找出答案. 完成并查看结果需要不到五分钟的时间.

3题中的1题

If you’re buying a home with a partner, include gross income for both you and your partner.

输入一个大于0美元的金额
三题中的第二题

Include your minimum payments for credit cards, 学生贷款, 汽车分期付款, 孩子的抚养费, etc. 不包括生活费用,如房租或食物.

输入金额为0或更多的美元
3题中的第三题

这是你提前支付的金额. 根据贷款的类型,它可以低至0美元.

输入金额为0或更多的美元
对一个人, annual gross income equals the total amount of money earned in one year, 税前.
输入一个大于0美元的金额
包括每月偿还的循环债务, 赡养费, 子女抚养费和其他每月经常性的义务.
输入金额为0或更多的美元
The cash put toward the purchase of a home to make up the difference between the purchase price and the mortgage loan - usually a percent of the purchase price, i.e. “5%”
输入金额为0或更多的美元
偿还贷款所需的时间长短.
The amount you'll pay each year to borrow the money, expressed as a percentage.
输入一个有效的利率
根据财产的价值支付的税.
输入一个大于0美元的金额
A form of property insurance that covers losses and damages to an individual's house and to assets in the home.
输入一个大于0美元的金额
Private Mortgage 保险 protects the lender in the event the borrower defaults on a loan with a downpayment of less than 20% and is included in the 每月的付款.
支付给特定小区的业主组织的费用, 公寓, 或计划的单位发展.
输入一个大于0美元的金额

我们计算不出你能买得起多少房子. Please make sure all fields to the left are filled out correctly before continuing.

你的债务收入比(DTI)超过45%. DTI is one of the main ways lenders determine whether you qualify 对于一个抵押贷款. DTI低于36%是理想的. 你的DTI越低,你就越有资格申请住房贷款. Speak with a loan officer today to discuss what options may be available to you.

如何获得首次置业贷款 article.

Select the type of payment plan you want depending on your financial situation

你的债务收入比(DTI)是35%. You’ll have a comfortable cushion to cover things such as food, utilities and entertainment.

你的债务收入比(DTI)是45%. To be in the best position to purchase a home, you may need to pay down some of your debt.

使用计算器时, please remember the dollar amounts displayed are not guaranteed. 实际支付可能有所不同. 估计数仅用于说明和教育目的. 任何贷款计算器的结果都不打算是, 不应该被考虑, a decision of or commitment to the loan type or amount for which you may qualify.

需要一个不同类型的住房贷款?


获得适合你的抵押贷款.

无论你是买你的第一套房子还是度假屋, 我们会帮你制定符合你需要的抵押贷款利率和期限. 今天与WSECU按揭专家交谈.

联系我们

资源

信息披露

* These mortgage rates are based on assumptions and conditions including but not limited to property type, 入住率, 贷款价值与信用评分. Your interest rate will be based on loan specifics and your credit history. 一旦锁定了利率,就不能使用浮动下调选项.

准备迈出第一步?

得到预先批准,今天就开始为你的梦想之家购物.

让我的速度

Your perspective is important to us and helps us see where we’re hitting the mark and where there might be areas to improve.