Sin Costos de Cierre "No Closing Costs"
Ahorre miles en costos de cierre
Ahorrar para un pago inicial y costos de cierre puede ser desafiante, especialmente para aquellos que adquieren su primera vivienda. Nuestra opción Sin Costos de Cierre reduce en gran medida la cantidad de dinero que necesita al cerrar porque cubrimos sus cargos a terceros y renunciamos a los cargos de originación del préstamo.17 Todavía tendrá un pago inicial, pero esta es una gran opción si desea llevar menos dinero al cierre. Su tasa de interés será ligeramente mayor, pero no tendrá cargos por anticipo de pago o restricciones ocultas.
Beneficios del Producto
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Reduce the Amount of Cash Needed at Closing
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No Closing Costs (appraisal, title insurance, etc.)
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No Lender Origination Fees
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Optional Discount Points Available
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Sin penalizaciones por pago anticipado
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No Hidden Terms
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Gana miles en reembolsos en efectivo19 con HomeAdvantage® de SCCU
- Rápidas decisiones de pre-aprobación, en línea y por teléfono
- Sin impuestos intangible21
- Servicio al cliente de SCCU durante la duración del préstamo
- Garantía del tipo de interés exclusivo de SCCU18
| Terms |
Up to 30 years fixed |
|---|---|
| Application Fees |
None |
| Pre-Payment Penalties |
None |
| Origination Fee |
None |
| Other Fees |
Prepaid Taxes, Interest, and Mortgage Insurance |
| Available With |
Conventional Fixed-Rate Purchase or Refinance; Construction; Jumbo; Select Adjustable-Rate Purchase Loans |
| Término | Tasas desde | APR* "As Low As" | Ejemplo de cantidad del préstamo | Ejemplo de pago mensual |
|---|---|---|---|---|
| 10 Años - Purchase or Refi | 7.250% | 7.535% | $200,000 | $2,348.02 |
| 15 Años - Purchase | 7.375% | 7.580% | $200,000 | $1,839.85 |
| 15 Años - Refinanciamiento | 7.500% | 7.706% | $200,000 | $1,854.02 |
| 20 Años - Purchase or Refi | 7.875% | 8.044% | $200,000 | $1,657.35 |
| 30 Años - Purchase | 7.875% | 8.007% | $200,000 | $1,450.14 |
| 30 Años - Refinanciamiento | 8.000% | 8.133% | $200,000 | $1,467.53 |
No Closing Costs Option: Rates based on creditworthiness. Certain restrictions apply. Available on select purchase and refinance home loans. Must be primary residence. Rate adjustment will be applied to current rates. Rates subject to change. Example rates, loan amounts, and monthly payments shown above are based on current 30-year Conventional Fixed Rate Loan; ask your SCCU representative for examples on other available No Closing Costs loan options. Monthly payments do not include taxes and insurance; the actual payment obligation will be greater.
You’ll still need to make your down payment, and prepaid taxes, interest, mortgage insurance, and fees for optional discount points (if you choose), but SCCU will cover your third-party charges and waive our loan origination fees. Your down payment is determined by the Loan-to-Value ratio. (90% LTV = 10% down payment) Loans exceeding 80% of the appraised value of the home require private mortgage insurance.