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如何追踪利率？

一個直截了當的方法來確定與昨天相比，匯率是更好或是更壞。

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預先批核與審查批核

區分預先批核與審查批核，以及Junie能為您帶來的好處。

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想要加快程序的進度？

為了加快流程，您可以在申請抵押貸款前收集必要的文件。

文件清單

您是否有資格獲得更優惠的利率？

放款人可能會利用 AMI 限制來確定 Home Ready、Home Possible 或其他涉及 AMI 要求的貸款之收入資格。
您查看房產的 AMI 有助了解自己是否具資格獲得更優惠的利率。

您是否需要購買貸款保險？

當您的貸款比例超過 80% 時，您需要購買貸款保險。但是……

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首次置業者 (準則)

想知道自己是否合資格成為首次置業者嗎？

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您應該購買哪種類型的房屋保險？

向任何貸款機構申請房屋貸款時，都必須購買房屋保險。

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費用估算

估算Title 公司費用
不包括貸款人費用（審批、文件、估價、信用報告……）

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不知道如何開始置業？

點擊下面鏈結去房利美 (Fannie Mae)提供的諮詢課程

諮詢課程

如何阻止垃圾電話和郵件?

處理垃圾電話和郵件可能令人感厭煩。幸運的是，有一些方法可以杜絕它們。

阻止垃圾電話和郵件

General Mortgage Capital Corp- DRE# 01509029 & NMLS# 254895

Junie K Ngai – DRE# 01864306 & NMLS# 289291

Contact Junie

Figure: 7 TAC §81.200(c)

“CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE

BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”

Interest rates and annual percentage rates (APRs) are based on current market rates, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score and other variables—call for details. This is not a credit decision or a commitment to lend. Depending on loan guidelines, mortgage insurance may be required. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. Additional loan programs may be available. APR reflects the effective cost of your loan on a yearly basis, considering such items as interest, most closing costs, discount points (also referred to as “points”) and loan-origination fees. One point is 1% of the mortgage amount (e.g., $1,000 on a $100,000 loan). Your monthly payment is not based on APR, but instead on the interest rate on your note. Adjustable-rate mortgage (ARM) rates assume no increase in the financial index after the initial fixed period. ARM rates and monthly payments are subject to increase after the fixed period: ARMs assume 30-year term. General Mortgage Capital Corporation and eMeta Funding are licensed in the following state: Alabama – NMLS: 23260, Arkansas – NMLS: 129989, Arizona – NMLS: 1026178, California CFL – NMLS: 60DBO-66060, California DRE – NMLS: 01509029, Colorado – NMLS: 254895, Connecticut – NMLS: 254895, Delaware – NMLS: 038061, Florida – NMLS: MLD2191, Georgia – NMLS – 254895, Hawaii – NMLS: HI-254895, Idaho- NMLS: MBL-2080254895, Illinois – NMLS: MB.6761662, Indiana – NMLS: None, Iowa – NMLS: 2022-0038, Kansas- NMLS: MC.0025844, Kentucky – NMLS: MC782027, Louisiana – NMLS: 254895, Maryland – NMLS: 254895, Maine- NMLS: 254895, Massachusetts – NMLS: MC254895, Michigan – NMLS: FR0024243, Minnesota – NMLS: MO-MN-254895, Mississippi – NMLS:254895, Missouri – NMLS: 254895, Montana – NMLS: 254895, Nevada – NMLS: 5419, Nebraska – NMLS: 254895, New Hampshire – NMLS: 24850-MB, New Jersey – NMLS: 254895, New Mexico: NMLS – 254895: North Carolina – NMLS: L-208502, North Dakota – NMLS; MB104140, Oklahoma – NMLS: ML014608, Ohio – NMLS: RM.804881.000, Oregon – NMLS: 254895, Pennsylvania – NMLS: 96566, Rhode Island – NMLS: None, South Carolina – NMLS: 254895, Tennessee – NMLS: 254895, Texas – NMLS: 254895, Utah – NMLS: 12679832, Vermont – NMLS: LL-254895, Virginia – NMLS: MC-7314, Washington – NMLS: CL-254895, Washington DC – NMLS: MLB254895, West Virginia – NMLS: ML-254895, Wisconsin – NMLS: 254895BA, Wyoming – NMLS: 4763.

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