Are you wondering what mortgage trends you can expect in 2024? We have taken a deep dive with our Arbor Financial Credit Union mortgage experts to see what they believe we can expect this year. 以下是我们2024年的抵押贷款趋势.
灵活的抵押贷款产品将继续发挥重要作用
随着当前汇率环境的变化, mortgage lenders need to provide and continue growing their product offerings to help fit each individual’s unique situation. 这里是Arbor Financial, we have many products to help you achieve your goal of home ownership no matter where you are in the homeownership journey. If you are looking to build your forever home this year, we have great 一次性竣工建设贷款 options. If you are looking to move shortly after purchasing a new home, one of our ARM mortgages 也许适合你. We also have great options for first-time buyers, down payment assistance programs, and more. Learn about 我们的按揭选择 and 跟我们的抵押贷款专家谈谈 today to see what option is best for you and your specific needs.
房屋净值贷款 Will Continue to be a Popular Option Over Refinancing
对于低利率抵押贷款的房主, opting for a home equity product over refinancing can be a strategic financial move. Refinancing typically involves replacing the existing mortgage with a new one. 相对, home equity products leverage the equity in your home without altering your existing mortgage. This option can be helpful when interest rates are on the rise, as homeowners can access the equity for major expenses such as: home improvements, education, or debt consolidation without sacrificing their favorable mortgage rate. At Arbor Financial, we offer two exceptional home equity products. One is a 房屋净值贷款，它提供了固定期限的固定利率. 第二个选项是a 房屋净值信贷额度(HELOC); this product allows you to make draws on a specific amount and then make payments similar to a credit card. 该期权的利率可以随时间变化, 但是你不需要一次取出所有的钱, 它可以作为一个安全网, 包括作为一种透支保护.
增加首付款助理项目
Down payment assistance programs have begun to grow over the last few years and will most likely continue to do so this year. 这里是Arbor Financial, we work with many organizations to provide down payment assistance and help you achieve your goal of homeownership. One of our most popular programs comes from our partnership with MSHDA. This partnership allows us to help qualifying members in Michigan get up to $10,000 in assistance. 和抵押贷款专家谈谈 看看你有什么资格.
首次购房者数量增加
Every year, we are able to help get more first-time homebuyers into their first home, 我们将在2024年继续看到这种情况. 这里是Arbor Financial, 我们有很多服务可以帮助首次购房者, 包括与我们的抵押贷款专家的年度研讨会, a 全面的电子书, and top-tier products created with first-time buyers in mind. 跟我们的抵押贷款专家谈谈 看看你今年如何成为首次购房者!
展望2024年, we see a mortgage environment that focuses on individual needs and products to help you achieve your goals, 无论你处在按揭贷款的哪个阶段. 这里是Arbor Financial, we look forward to helping find innovative solutions and getting more people to achieve their homeownership goals and aspirations with our unique products and services.
