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Banca en línea - Usuario

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.
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Beneficios de la cuenta

Plazos y cargos
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

No Closing Costs Home Loan Interest Rates

Fecha disponible: mayo 24, 2023
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Plazo Tasas desde APR* "As Low As" Ejemplo de cantidad del préstamo Ejemplo de pago mensual
10 Años - Purchase or Refi 6.500% 6.725% $200,000 $2,270.96
15 Años - Purchase 6.625% 6.785% $200,000 $1,755.99
15 Años - Refinanciamiento 6.750% 6.911% $200,000 $1,769.82
20 Años - Purchase or Refi 7.125% 7.256% $200,000 $1,565.64
30 Años - Purchase 7.125% 7.226% $200,000 $1,347.44
30 Años - Refinanciamiento 7.250% 7.351% $200,000 $1,364.35
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.

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. 

Preguntas Frecuentes

A mortgage escrow account is established to hold "deposits" for items that will need to be paid at closing. These include things such as prepaid loan interest, and the first annual payments of property taxes and homeowner's insurance.
Throughout the year, a portion of each mortgage payment will be deposited into your mortgage escrow account to set aside money to pay property taxes and homeowner's insurance annually.