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首次购房. 未来的房主. 首次购房

We'll guide you every step of the way to make your first home purchase as smooth as can be. 我们提供:

马上申请

首次购房. 未来的房主. 首次购房

We'll guide you every step of the way to make your first home purchase as smooth as can be. 我们提供:

马上申请

它是如何工作的?? 简单的三个步骤.

申请预审批.

找出你能负担得起的，然后开始买房子.

提出报价.

在你的报价中包含预先批准. 完成申请.

自信地结束.

签署成交文件，拿到新家的钥匙.

为什么选择WSECU为您的住房贷款?

我们有适合你经济状况的贷款.

买房不一定是件令人头疼的事. 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WSECU为您的住房贷款?

抚摸狗的女人

我们有适合你经济状况的贷款.

买房不一定是件令人头疼的事. 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.

两个孩子和一只狗坐在空房子里

我们总是愿意伸出援助之手.

这都是关于友好和个人的接触. 我们对待我们的成员就像邻居一样，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, 我们都在你身边.

小女孩在玩室内植物

你爱华盛顿. 我们也是.

作为一个会员制的非盈利信用合作社, 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, 我们都在你身边.

WSECU哪一种住房贷款适合您?

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，找到一个最能满足您的需求.

零首付按揭

If you have a strong credit score, you may qualify for a zero-down fixed- or adjustable-rate loan. WSECU为购买主要住宅提供100%的融资, 使许多首次购房者拥有住房成为可能.

马上申请

大型抵押贷款

你需要的房屋贷款超过 $977,500 在金，皮尔斯，斯诺霍米什县或更多的地方 $766,550 在华盛顿州的其他地方? 你可以从WSECU获得固定利率的大额贷款!

马上申请

大型30年期固定利率
7.250%*
利率 The amount you'll pay each year to borrow the money, expressed as a percentage.
7.335%*
年利率(APR) 贷款的成本，包括利息和费用.
视图的假设
这是你需要的东西

费率可能随时变动.

30年期固定抵押贷款

最低首付为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.

马上申请

30年期固定利率
7.500%*
利率 The amount you'll pay each year to borrow the money, expressed as a percentage.
7.640%*
年利率(APR) 贷款的成本，包括利息和费用.
视图的假设
这是你需要的东西

费率可能随时变动.

按揭负担能力计算器

我能买得起多少房子?

回答三个问题来找出答案. 只需不到五分钟就能完成并看到结果.

开始
开始
问题1 / 3

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的金额
回来 下一个
下一个 回来
第2 / 3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，如租金或食物.

输入$0或更多的美元金额
回来 下一个
下一个 回来
问题3 / 3

这是你预先支付的金额. 它可以低至0美元，这取决于贷款的类型.

输入$0或更多的美元金额
回来 下一个
下一个 回来
对于个人而言, annual gross income equals the total amount of money earned in one year, 税前.
输入一个大于0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债务.
输入$0或更多的美元金额
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$0或更多的美元金额
偿还贷款所需的时间.
额外的细节
The amount you'll pay each year to borrow the money, expressed as a percentage.
输入有效的利率
根据财产价值缴纳的税款.
输入一个大于0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.
支付给某一特定小区的业主组织的费用, 公寓, 或计划单位发展.
输入一个大于0的金额

我们很难计算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 for a mortgage. DTI低于36%是理想的. The lower your DTI, the more likely you are to qualify for a home loan. Speak with a loan officer today to discuss what options may be available to you.

读 如何获得你的第一笔住房贷款 article.
房价每月的付款
Select the type of payment plan you want depending on your financial situation
舒适的
每月的付款
伸展运动
每月的付款

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.

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

马上申请
联系信贷员

使用计算器时, please remember the dollar amounts displayed are not guaranteed. 实际支付金额可能有所不同. 估计数仅供说明和教育用途. 任何贷款计算器的结果不打算是, 不应该被考虑, a decision of or commitment to the loan type or amount for which you may qualify.

获得适合你的抵押贷款.

无论你是买第一套房子还是度假屋, 我们将帮助您获得符合您需求的抵押贷款利率和期限. 今天与WSECU抵押贷款专家交谈.

联系我们

资源

什么类型的住房贷款是适合你的?

如何选择最佳按揭

一步步指导获得你的第一笔抵押贷款

* These mortgage rates are based on assumptions and conditions including but not limited to property type, 入住率, 贷款价值比和信用评分. Your interest rate will be based on loan specifics and your credit history. 一旦你的利率被锁定，一个浮动的选项可能是可用的.

准备好迈出第一步?

获得预先批准，今天就开始为你的梦想之家购物.

马上申请

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

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