Ипотека на покупку дома 🏠 — взять ипотеку на частный дом в Россельхозбанке

Приобретение квартиры / таунхауса с земельным участком или апартаментов на вторичном рынке.

Участники зарплатного проекта/«надежные» клиенты¹

Первоначальный взнос: до 20%

• 8,10 % до 3 млн. ₽
• 7,90 % от 3 млн. ₽

Первоначальный взнос: свыше 20%

• 7,85 % до 3 млн. ₽
• 7,65 % от 3 млн. ₽

Работники бюджетных организаций²

Первоначальный взнос: до 20%

• 8,30 % до 3 млн. ₽
• 8,10 % от 3 млн. ₽

Первоначальный взнос: свыше 20%

• 8,05 % до 3 млн. ₽
• 7,85 % от 3 млн. ₽

Иные физические лица

Первоначальный взнос: до 20%

• 8,40 % до 3 млн. ₽
• 8,20 % от 3 млн. ₽

Первоначальный взнос: свыше 20%

• 8,15 % до 3 млн. ₽
• 7,95 % от 3 млн. ₽

Приобретение объекта недвижимости по договору участия в долевом строительстве.

Участники зарплатного проекта/«надежные» клиенты¹

Первоначальный взнос: до 20%

• 7,90 % до 3 млн. ₽
• 7,75 % от 3 млн. ₽

Первоначальный взнос: свыше 20%

• 7,65 % до 3 млн. ₽
• 7,50 % от 3 млн. ₽

Работники бюджетных организаций²

Первоначальный взнос: до 20%

• 8,10 % до 3 млн. ₽
• 7,95 % от 3 млн. ₽

Первоначальный взнос: свыше 20%

• 7,85 % до 3 млн. ₽
• 7,70 % от 3 млн. ₽

Иные физические лица

Первоначальный взнос: до 20%

• 8,20 % до 3 млн. ₽
• 8,05 % от 3 млн. ₽

Первоначальный взнос: свыше 20%

• 7,95 % до 3 млн. ₽
• 7,80 % от 3 млн. ₽

90000 Mortgages and Refinancing Options for Home Loans 90001 90002
90003 APR = Annual Percentage Rate. Rate shown at 80% loan-to-value (LTV) and does not include any applicable closing costs or fees. Your rate may be different than what is shown. Please use the Rate Calculator on our application page to get a better estimate for your scenario. 90004
90003 Closing date must be no less than 18 days from the application date and on the original purchase contract. 18-day closing guarantee valid only on 1st mortgage owner-occupied purchase transactions (closed and funded by Patelco) with an existing and fully underwritten loan approval.Approval must be issued by Patelco in advance and dated before the purchase contract application date. For 1st mortgage owner-occupied purchase transactions without an underwriting approval issued in advance of the purchase contract application date, a 28-day closing guarantee will apply. Other terms and conditions apply, for details and restrictions contact a Patelco Home Loan Consultant. Not a lending guarantee. 90004
90003 Equity Builder is a bi-weekly payment option for specific Patelco mortgage products.Bi-weekly payment option offers reduced number of years for early loan pay-off date and reduced interest paid depends on loan amount, interest rates, and every two weeks or weekly payment plan start time. Talk to a Patelco Home Loan Consultant for details. 90004
90003 Up to 100% financing (based on VA lending limits) may be available for purchase loans and up to 90% for cash-out refinances. Gift funds or bond programs for closing cost assistance are allowed. Not available in Texas. Rates, terms, conditions, and availability are subject to change or withdrawal at any time and without notice.Nothing herein is or should be interpreted as an offer or commitment to lend. Loans are subject to credit and property approval. Other conditions and restrictions may apply. Hazard insurance may be required. 90004
90003 Closing costs fees covered include applicable title, escrow and recording cost fees and will appear on the Closing Disclosure. The appraisal and credit report fee will be paid up-front by the member and reimbursed at closing. Hazard Insurance, Taxes, HOA fees, Purchase Owner’s Policy and Transfer Tax are not covered by Patelco.At least one borrower is a first-time home buyer (had no ownership interest in a property in the last three years). Applicable on the purchase of a single family residence and 30 year fixed conforming loans with minimum 740 FICO. 90004
90003 Eligible for loans over $ 510,400.00 loan amount and 95% loan-to-value (LTV) available on 15 and 30 year fixed jumbo mortgages only. Loans over 80% LTV require mortgage insurance (except for 10% down «combo loans» up to $ 2 million, which are only available in CA).90004
90003 The HomeAdvantage program is made available to you through a relationship between Patelco Credit Union and CU Realty Services. Program rebates are awarded by CU Realty Services to buyers and sellers who select and use a real estate agent in the HomeAdvantage network of approved realtors. Home buyers or sellers are not eligible for the rebate if they use an agent outside this network. Using your credit union for a mortgage is not a requirement to earn a rebate. Rebate amounts are dependent on the commissions paid to the agent.Patelco may have specific rules on how your rebate will be paid out. Rebate incentives are available in most states; however, are void where prohibited by law or by the lender. 90004
90003 Insurance products are not deposits of Patelco Credit Union and are not insured by the NCUA. They are not guaranteed by Patelco Credit Union and may be subject to risk. Any insurance required as a condition of an extension of credit by Patelco Credit Union need not be purchased from Patelco Insurance Services and may be purchased from an agent or an insurance company of the member’s choice.Patelco Insurance Services is a subsidiary of Patelco Credit Union. Insurance products offered by Patelco Insurance Services, a California insurance agency (License # 0C97544). Any complaints may be filed with the California Department of Insurance. 90004
90019
90020 Rates, terms, conditions, and availability are subject to change or withdrawal at any time and without notice. Nothing herein is or should be interpreted as an offer or commitment to lend. Loans are subject to credit and property approval.Other conditions and restrictions may apply. Hazard insurance may be required. NMLS ID Number is 506373. 90021.90000 What is a Home Mortgage Loan? 90001

90002 A loan that is secured by property or real estate is called a mortgage. In exchange for funds received by the homebuyer to buy property or a home, a lender gets the promise of that buyer to pay back the funds within a certain time frame for a certain cost. The mortgage is legally binding and secures the note in giving the lender the right to have legal claim against the borrower’s home if the borrower defaults on the terms of the note. Basically, the borrower has possession of the property or the home, but the lender is the one who owns it until it is completely paid off.90003
90004 Repaying a Mortgage: What is Included? 90005
90002 The mortgage is usually to be paid back in the form of monthly payments that consist of interest and a principle. The principal is repayment of the original amount borrowed, which reduces the balance. The interest, on the other hand, is the cost of borrowing the principal amount for the past month. 90003
90002 A monthly mortgage payment includes taxes, insurance, interest, and the principal.Taxes are remitted to local governments as a percentage of the value of the property. These tax amounts can vary based on where the borrower lives and are usually reassessed on an annual basis. The insurance payments go toward mortgage and hazard insurance. The property mortgage insurance (PMI) protects the lender from loss incurred if a borrower defaults, whereas hazard insurance protects both the borrower and the lender from property losses. The funds may be held in escrow or the lender may collect the taxes and the insurance.PMI typically is not required if you put 20% or more down on your home. As long as you are not behind on payments, PMI payments are automatically terminated when either you are at the midway point of your loan in time, or when the loan-to-value (LTV) reaches 78%. You can request cancelation when you LTV reaches 80%. 90003
90004 Applying for a Mortgage: The Steps Involved 90005
90002 The process of applying for a mortgage loan can be a stressful. The first thing a borrower should do before going to their bank is acquire a copy of their credit report and check it for errors.If there is any incorrect information, it needs to be disputed as outstanding issues can cause a mortgage application to be rejected or lead lenders to charge a higher rate of interest. 90003

90002 The borrower should know what type of home is desired, how much they qualify for and what their budget affords. Those constraints can determine the mortgage type and term. 90003
90002 The lender receives an appraisal of the property and this appraisal determines the market value of the home, which is used for collateral in the loan.The borrower is charged a fee for the appraisal service and is usually included in the closing costs. 90003
90002 When the mortgage application is complete, the borrower will be asked for a considerable amount of information. That is why the borrower should be prepared to give the lender the following information: 90003
90020
90021 Bank information such as the name, address, account numbers, and three months of statements. 90022
90021 Three months of investment statements.90022
90021 W-2s, pay stubs, proof of employment and two years worth of income. 90022
90021 Tax returns and balance sheets for the self-employed. 90022
90021 Debt currently owed, including amounts due and account numbers. 90022
90021 Divorce papers, if they apply. 90022
90033
90002 Once the application is completed, the lender will review the application and decide whether to deny or approve it.If approved, the last step in the process is the meeting in which documentation is completed and the deal is closed. If denied, the prospective borrower should talk to the lender in order to devise a plan and find out why the application was denied. By law, the prospective borrower should receive a disclosure statement from the lender in writing that states why the application was turned down. 90003
90002 90037 90003
90004 Employment History and Your Sources of Income 90005
90002 The ability to pay is one of the primary decisions in considering a loan application for approval.All information regarding income and employment history must be submitted. This information includes: 90003
90020
90021 Employer’s name, address, borrower’s job title, time on the job, bonuses, average overtime, salary, and students may be required to provide transcripts. 90022
90021 Two years of W-2 forms and most recent paycheck stubs. 90022
90021 For the self-employed, financial statements for two years and all tax forms must be provided, including a profit and loss statement for the current year.90022
90021 If there are gaps in employment history, there must be a written explanation. 90022
90021 A VOE or Verification of Employment form may be sent to the current employer. 90022
90033
90004 The Closing 90005
90002 The last step in the process of applying for a mortgage is the closing process. All parties sign the necessary papers and officially seal the deal. Ownership of property is transferred to the buyer, so the closing date makes for a great opportunity to make any necessary changes at the last minute.These procedures vary from state-to-state, but in most states the following people are present at the closing: 90003
90020
90021 A closing agent that may work for the lender. 90022
90021 The Borrower’s and the Lender’s attorneys 90022
90021 Title company representative 90022
90021 Seller of the home 90022
90021 Real estate agent for the seller 90022
90021 The borrower (known as the mortgagor) 90022
90021 The lender (known as the mortgagee) 90022
90033
90002 The borrower is required to sign a number of documents when closing.Below is a description of those documents: 90003
90077
90021 The one selling the home must bring the deed with them to the closing. It must be signed and notarized so that the lender can have the deed filed at the county’s Deed Registrar since it is public record. 90022
90021 The HUD-1 Settlement statement itemizes the services by the lender that is related to the loan and charges both the seller and the buyer. This is required by federal law.90022
90021 The mortgage note must be signed because it is the buyer’s promise to pay according to the terms. These items include payment due dates, amounts, and where the payments should be remitted to. 90022
90021 The statement that gives the actual rate of interest, APR, fees, and other costs is the Truth-In-Lending Statement. 90085
90022
90087
90088
Homeowners May Want to Refinance While Rates Are Low 90089
90002 US 10-year Treasury rates have recently fallen to all-time record lows due to the spread of coronavirus driving a risk off sentiment, with other financial rates falling in tandem.Homeowners who buy or refinance at today’s low rates may benefit from recent rate volatility. 90003

90002 Are you paying too much for your mortgage? 90003

90094 Find Out What You Qualify For 90005

90096 Check your refinance options with a trusted lender. 90003
90096 Answer a few questions below and connect with a lender who can help you refinance and save today! 90003

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.90000 Mortgage Assistance | Underwater Mortgage Help 90001

90002 As always, we’re happy to work with you over the phone. However, we’ve had an increase in calls leading to long wait times. We encourage you to take advantage of the online mortgage assistance process. 90003

90004
90005 To talk to a loan specialist about delinquent payments, call Default Counseling at 800-365-7900, Monday-Friday, 8:00 a.m. to 5:00 p.m. (CT) and Saturday, 9:00 a.m. to 2:00 p.m. (CT). 90006
90005 For general mortgage help, see estimated wait times or request a call back.90006
90005 For free or low-cost general advice about buying a home, renting, default or avoiding foreclosure, contact a housing counselor at the U.S. Department of Housing and Urban Development (HUD) at 800-569-4287. 90006
90011

90012 Options for retaining your home 90013

90002 We offer several options that could help you retain your home. To determine which might best suit your needs, please review the following: 90003

90016 Repayment plan 90017

90002 A repayment plan allows you to pay your regular monthly payment plus additional funds applied to past-due amounts.Payments are distributed over an agreed-upon period of time. 90003

90002 This option may work for you if: 90003

90004
90005 You can afford your regular monthly payments and other expenses. 90006
90005 You have surplus funds at the end of the month. 90006
90011

90016 Hardship loan modification 90017

90002 This option allows you to roll interest and escrow shortage from delinquent payments into the existing loan. You may qualify for an interest-rate reduction to have the term of the loan extended.90003

90002 This option may work for you if: 90003

90004
90005 You can afford your regular monthly payment or a slight increase in your payment, plus other monthly expenses. 90006
90005 You do not have substantial funds left at the end of the month. 90006
90011

90012 Options regarding selling your home 90013

90002 If you face the possibility of selling your home, ask yourself the following before starting the process: 90003

90004
90005 Are you prepared to sell your home? 90006
90005 Are you unable to recover from a situation that caused you to fall behind on your mortgage payments? 90006
90005 Are you unable to afford your regular monthly payment and have no means to catch up on delinquent payments? 90006
90011

90002 If you decide to sell your home, consider the following options.90003

90016 Short sale 90017

90002 In a short sale, the lender agrees to discount the loan balance due to hardship. The home is sold but proceeds fall short of the balance owed. 90003

90002 This option may work for you if: 90003

90004
90005 You can not afford your regular monthly payment and expenses. 90006
90005 You are interested in selling your home, which is worth less than you owe. 90006
90011

90016 Deed in lieu of foreclosure 90017

90002 This option allows you to deed your home back to your lender or investor instead of facing foreclosure.90003

90002 This option may work for you if: 90003

90004
90005 You can not afford your regular monthly payment or a slight increase in your payment, plus other monthly expenses. 90006
90005 You do not have substantial funds left at the end of the month. 90006
90011

90012 Our complaint process 90013

90002 If you have a complaint about our loss mitigation foreclosure alternatives process or our foreclosure process, please direct your complaint, along with the name of each borrower and the loan number, to U.S. Bank Complaints, PO Box 211529, Eagan, MN 55121. 90003

.90000 Mortgages | Home Mortgage | Mortgages and Interest Rates from BB & T 90001
90002 I worked hard. All these years of overtime, working holidays, weekends, and you finally achieve your goal. I did not even sleep the first night I was in the home. 90003 90002 My name is Mark Shaw. I’m an aircraft mechanic. And I’m also in the Air National Guard. 90003 90002 I’ve been married for 14 years. And I have a nine-year-old daughter. We have two dogs, a typical lifestyle. When I was in my 20s, I made some mistakes, had to put a lot of work in trying to clear up my credit to prepare for homeownership.90003 90002 Your house is the quintessential thing we all work for. This is the biggest ticket item you’ll ever buy in your life, so you want to make the right decision when you do it, making sure you are financially sound, making sure you think things through, and then you go talk to the experts at BB & T. 90003 90002 What I enjoy most about being a mortgage loan officer at BB & T is the opportunity to share with my clients the knowledge that I’ve learned over the years and how to incorporate that knowledge into coming up with the best mortgage solution for somebody.90003 90002 When I picked out the house, we approved what you were going to finance on a house, and how the deal went down. It went down just by the numbers. And not only that, when I was at the closing, Vincent Spadea actually showed up. People told me it was unfounded that a bank institution would actually show up to the closing of the house. So actually it was just a great experience. 90003 90002 The closing is really the final opportunity to visit with a client, to shake their hand, congratulate them, look them in the eye, see the smile on their face, then it really makes the job rewarding.It’s a partnership. We work together with our clients so that we can best design the mortgage solution that’s going to meet their needs. 90003 90002 The first time I refinanced my house, comps went down in my neighborhood because of all the debacle with the economy at that time, my mortgage loan officer managed my expectation. He spent time doing that. It did not go through. A year later, it did go through. 90003 90002 I truly know that people are thankful that we came into their lives, and we had this new partnership.At BB & T, that’s the beginning of a long-term relationship. 90003 90002 All throughout the process, I felt support, honesty, and trust. I go in there and it’s like home. 90003
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