MORTGAGE BASICS
貸款基礎
Jump in and get an overview on common mortgage terms
進入並了解常見的抵押貸款條款
Application Checklist
申請清單
Applying for a mortgage can seem like a daunting and scary process. To help, we’ve created a checklist of things for you to compile, complete and acknowledge before applying. See the fill list by clicking learn more below.
申請貸款似乎是一個艱鉅而可怕的過程。
為了提供幫助，我們創建了一份清單，供您在申請前編譯、完成和確認。
單擊下面的了解更多信息查看填充列表。
Credit
信用
Credit history is a recorded file of past and current credit that is utilized to compile a credit score. Read about credit, how it works, how to improve your score and more by clicking learn more below.
信用歷史是過去和當前信用的記錄文件，用於編制信用評分。
點擊下面的了解更多，了解信用、它是如何運作的、如何提高你的分數等。
Closing Costs
結算費用
A closing cost is a payment required to finalize a home loan and is separate from a down-payment. Read about closing cost, their purpose, how you can pay them and more by clicking learn more below.
成交費用是完成房屋貸款所需的付款，與首付款分開。
單擊下面的了解更多信息，了解關閉成本、它們的用途、如何支付它們以及更多信息。
Appraisals
估價
An appraisal is an estimate of a property’s fair market value and is required by a lender to ensure the loan amount is not more than the property value.
Read about appraisals, how they work, ownership and more by clicking learn more below.
評估是對房產公平市場價值的估計，貸方要求其確保貸款金額不超過房產價值。
點擊下方了解更多，了解評估、評估工作方式、所有權等信息。
Private Mortgage Insurance (PMI)
私人抵押貸款保險 (PMI)
Private Mortgage Insurance or PMI is insurance that protects a lender from increased risk from borrowers putting less than 20% down on a house.
Read about PMI, how it works, cost and more by clicking learn more below.
私人抵押貸款保險或 PMI 是一種保險，可保護貸方免受借款人對房屋首付低於 20% 的風險增加的影響。
單擊下面的了解更多信息，了解 PMI、它的工作原理、成本等。
Refinance
重貸
Refinancing your mortgage is a common practice used to lower monthly payments, interest rates, lower your DTI and more.
Read about refinancing, how it works, cost and more by clicking learn more below.
為您的抵押貸款再融資是一種常見的做法，用於降低每月付款、利率、降低 DTI 等。
點擊下方了解更多信息，了解再融資、其運作方式、成本等。
Glossary of Terms
專業術語
See a full list of mortgage terms by clicking learn more below.
點擊下方了解更多，查看完整的抵押貸款條款列表。
Foreclosure
止贖
Foreclosure is the process of a lender seizing a property in accordance with the terms stipulated in the mortgage contract.
Read about foreclosure and how to avoid it by clicking learn more below.
止贖是貸方根據抵押合同規定的條款沒收財產的過程。
單擊下面的了解更多信息，了解止贖以及如何避免止贖。