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FHA Loan

以获得较低的利率和较宽松的审批要求.

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Or call 1-800-561-9433

FHA贷款购买 Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30-Year Fixed 6.625% 7.388% -0.375 $2,471.60 360
15-Year Fixed 6.625% 7.365% -0.125 $3,389.06 180

联邦住房管理局按揭利率自2024年6月10日起生效. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 96.5% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio, and other factors, 而且可能比这里展示的要高. Rates, closing costs, 而且点数可能因房产位置而异, loan type, 以及借款人的信用和收入特征. 所有融资须经信贷审批. 基于购买价格$400的月付款,000, FICO®分数为780或更高, and 3.首付款5%或以上, 贷款金额为386美元,000; FHA mortgage insurance premium is excluded, 这还不包括税金和保险费, if applicable, 而实际支付义务可能更高. 房价如有变动,恕不另行通知. 可能会有一些限制.

联邦住房管理局贷款再融资 Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30-Year Fixed 6.625% 7.388% -0.375 $2,471.60 360
15-Year Fixed 6.625% 7.365% -0.125 $3,389.06 180

联邦住房管理局按揭利率自2024年6月10日起生效. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 96.5% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV比率和其他因素, 而且可能比这里展示的要高. Rates, 成交费用和点可能因物业位置而异, 贷款类型和借款人信用及收入特点. 所有融资须经信贷审批. Example Monthly Payments based on a property value of $400,000, FICO®分数为780或更高, and 3.5% or more equity, 贷款金额为386美元,000; FHA mortgage insurance premium is excluded, 这还不包括税金和保险费, if applicable, 而实际支付义务可能更高. 房价如有变动,恕不另行通知. 可能会有一些限制.

FHA Loan

政府担保的低首付固定利率贷款.

KEY FEATURES

  • 联邦住房管理局(FHA)支持的固定利率抵押贷款
  • 首付款低至3美元.购买价的5%
  • 可以用于购房或抵押吗 refinance
  • 由具有联邦资格的贷款机构发行,例如好的赌博软件推荐
  • Apply in 15-20 minutes!

计算你的付款

可能是个不错的选择吧

  • 你没有攒下一大笔首付款
  • 你的信用不太完美或信用记录有限
  • 你的收入中低等
  • 权衡:最低利率通常会带来一些费用和成交成本

与其他抵押贷款比较

那么,什么是联邦住房管理局贷款呢?

一对父母和他们的孩子从开箱里拿着花生玩耍

An FHA Loan is a mortgage issued by federally qualified lenders and insured by the Federal Housing Administration (FHA). They are designed for borrowers who have a low to moderate income who are unable to make a large down payment. It is also a good option for borrowers who do not have a high credit score or whose debt-to-income (DTI) ratio is high. 

利率可以根据借款人的信用评分而变化, 市场状况和其他因素. However, the rates can be competitive because the lender’s risk is decreased since the government backs the loan.

Apply Now

房屋管理局贷款与其他按揭选择有何不同?

An FHA Loan has a fixed rate for the life of the loan but is attainable for borrowers with a lower income. 请查看图表中的其他差异.

  FHA Loan 首次购房者计划 固定利率抵押贷款 可调利率按揭
Key Benefits

Low down payment

Government-backed

Low down payment

没有按揭保险

可预测的支付

没有利率意外

最低短期利率

首次较低的月供

一个不错的选择,如果你

没有足够的首付款

信用不够完美或信用记录有限

没有足够的首付款

在过去三年内没有房子

希望你的利率和付款在贷款期间保持不变

计划在你的房子里住几年

你对利率和付款一开始是固定的,然后再调整感到满意吗

不要计划在家里呆太久

可用贷款条款

Purchase & Refinance:

15 and 30 years

15年,20年和30年固定

5/5 ARM和7/6 ARM

Purchase & Refinance:

5年,7年,10年,15年,20年,30年

Purchase & Refinance:

5/5 ARM 30年期和7/6 ARM 30年期. 请致电了解其他ARM产品和条款的信息.

利率低至

Purchase: 6.30年期固定利率为625%

Refinance: 6.30年期固定利率为625%

7.15年期固定利率250%

8.7/6 ARM 30年期625%

Purchase: 6.15年固定贷款500%

Refinance: 6.15年期固定利率为875%

Purchase: 8.3/6的ARM 30年期债券

Refinance: 8.3/6 ARM 30年500%

APR As Low As

Purchase: 7.30年期固定利率为388%1

Refinance: 7.30年期固定利率为388%2

7.15年期固定贷款310%3

8.7/6 ARM 30年期555%4 

Purchase: 6.15年期固定利率为566%5

Refinance: 6.941%为15年期固定贷款5

Purchase: 8.3/6 ARM 30年期为314%4 

Refinance: 8.3/6 ARM 30年期455%4 

No Points
无按揭保险(PMI)
Down Payment As low as 3.购买价的5% 低至购买价的5% 低至购买价的5% 低至购买价的10%
Loan Limits

Up to $450,000

Special Feature 联邦住房管理局(FHA)

我的首付款真的可以少到3英镑吗.5%?

新房主走进新家

Yes!

This government-backed loan requires a smaller down payment than a conventional loan.

Get Started

我应该期待什么费用和成交费用?

成交费用的具体金额会有所不同. 住房贷款通常涉及许多费用, 比如评估费, title charges, closing fees, 以及州税或地方税. 这些费用因州而异,也因贷款人而异. Your Elements Mortgage Loan Originator will review all costs with you based on your specific loan amount, purchase price, and home value.

Third Party Fees

Third party fees are ones that we collect and pass on to the person who actually performed the service. 这些费用可能包括评估费, 信用报告费, 结算费或结清费, the survey fee, tax service fees, 产权保险费用, 防洪认证费用, 还有快递/邮寄费用. For example, 鉴定人获得鉴定费, 信用报告费用由信用局支付, 产权公司或律师会支付产权保险费. 

税收和其他不可避免的成本

These fees include state/local taxes and recording fees and will most likely have to be paid regardless of the lender you choose. 如果一些贷款人不给你报价,其中包括税收和其他不可避免的费用, 不要以为你不用付钱. It is possible that a lender who doesn't tell you about the fee hasn't done the research necessary to provide accurate closing costs.

Lender Fees

贷款人的费用如积分, 文件准备费, and loan processing fees are retained by the lender and are used to provide you with the lowest rates possible. This is the category of fees that you should compare very closely from lender to lender before making a decision. Elements对所有抵押贷款收取995美元的标准起始费.

欲了解更多信息,请致电我们 1-800-561-9433.

是否可透过房屋管理局贷款再融资?

Yes! 当你为你的房子再融资时, 你实际上还清了你现有的抵押贷款,并用一个新的抵押贷款代替它. You might do this to get a lower interest rate or to shorten the term of your mortgage. Perhaps your current financial situation would make it good for you to switch from a conventional mortgage to an FHA. 你可以了解更多 为抵押贷款再融资 with Elements.

我应该提前获得批准吗?

一对父母和他们的孩子背着

Call us at 1-800-561-9433 to see if you can be preapproved for a loan so that you know what price range you can afford, 评估贷款的每月成本, 看看你能负担多少贷款. The preapproval will also give you some leverage when negotiating with the sellers.

Get Preapproved

在贷款申请过程中会发生什么?

Getting Started

You can apply online in 15-20 minutes! 随时提交申请. Or call us at 1-800-561-9433 to apply by phone. When you apply, 你的身份证(驾驶执照)准备好了吗, state ID, 或护照)和你的家庭收入估计, assets, 房屋价值和你为房屋支付的价格.

收集文档

We’ll contact you within one business day after you submit your application to review documentation that we'll need from you. 我们也会回答你的任何问题. 

应用程序检查 & Approval 

Once you have supplied your documents, your loan will be reviewed by an underwriter. 经保险公司审核后, your Elements Mortgage Loan Originator and Loan Processor will work together to obtain any further documentation that is needed to close your loan, 包括估价和职称ork. 

Closing

Once your loan has been approved, your closing will be scheduled at a location convenient for you. That's it — your 房管局贷款已完成! 申请到结案平均需要30天. 

Get Started

我为什么要去Elements申请抵押贷款?

像银行一样,只是更好!

个人按揭指引

买房可能会让人有点不知所措. But don’t worry. 我们将与您的每一步的方式,指导您通过联邦住房管理局贷款流程, 从预审到结案. 你会有你的个人抵押贷款专家的手机号码, 所以你可以很快得到你所有问题的答案. 

Better Rates. Fewer Fees.

因为我们是信用合作社, 我们以降低费用的形式将利润返还给会员, 更高的储蓄率, 更低的贷款利率.

Trusted Advice. Fresh Approach.

我们以成为值得信赖的金融教育机构而自豪. 我们来您的工作场所回答问题,并可以为您提供 a dedicated Mortgage Loan Originator to guide you through the entire mortgage process.

尊重当地. 在全球范围内访问.

Headquartered in Indianapolis since 1930, we rank among the top 3% of credit unions nationally6. 我们为所有50个州和50多个国家的会员提供服务. You’ll have access to 5,000+ shared branches nationwide and 78,000+ surcharge-free ATMs globally.

High Tech. Human Touch.

我们的技术使使用Elements进行银行业务变得简单. 从快速的数字应用到在线应用 手机银行,无论你走到哪里,我们都会在你身边. We’re here for you with member service available 24/7 and live chat during the workday.

Get Started

How do I apply?

元素在线应用截图

3个简单的步骤应用

  1. Apply online - 只要你有15-20分钟的空闲时间,就在网上做这件事. Or call 1-800-561-9433 to get started.
  2. Take our call - We'll contact you within one business day after you submit your application to go over what documentation we'll need and to answer your questions.
  3. 安排收盘时间 - 我们将在整个抵押贷款过程中与您保持联系. Then, if you're approved, we'll schedule your closing at a location convenient for you.

Apply Now Get Preapproved

我的按揭还款额如何计算?

你每月的按揭还款由四个部分组成:本金, interest, property taxes, 和房主保险(简称“PITI”). 

本息

本金和利息按贷款金额计算, interest rate, 以及贷款的分期偿还期限. 

Property Taxes

财产税每年评估一次. The amount of your taxes is divided by 12 months in order to determine how much will be collected from you as part of your monthly payment.

Insurance

房主保险也是按年支付的. 你的年保费金额也要除以12个月. 

Private Mortgage Insurance (PMI) can also be a component of your monthly mortgage payment. This is insurance that the lender obtains to protect them against any loss if you stop making payments on your loan. PMI is typically required on Conventional loans if you do not put at least 20% down on a purchase or have 20% or more equity in your property on a refinance.

计算你的付款

我的按揭还款额是多少?

抵押计算器

Results

本息 $____
Property Tax* $____
Home Insurance* $____
抵押贷款保险* $____

*根据全国平均数估计.

  1. 1 联邦住房管理局按揭利率自2024年6月10日起生效. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 96.5% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio, and other factors, 而且可能比这里展示的要高. Rates, closing costs, 而且点数可能因房产位置而异, loan type, 以及借款人的信用和收入特征. 所有融资须经信贷审批. 基于购买价格$400的月付款,000, FICO®分数为780或更高, and 3.首付款5%或以上, 贷款金额为386美元,000; FHA mortgage insurance premium is excluded, 这还不包括税金和保险费, if applicable, 而实际支付义务可能更高. 房价如有变动,恕不另行通知. 可能会有一些限制.
  2. 2 联邦住房管理局按揭利率自2024年6月10日起生效. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 96.5% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV比率和其他因素, 而且可能比这里展示的要高. Rates, 成交费用和点可能因物业位置而异, 贷款类型和借款人信用及收入特点. 所有融资须经信贷审批. Example Monthly Payments based on a property value of $400,000, FICO®分数为780或更高, and 3.5% or more equity, 贷款金额为386美元,000; FHA mortgage insurance premium is excluded, 这还不包括税金和保险费, if applicable, 而实际支付义务可能更高. 房价如有变动,恕不另行通知. 可能会有一些限制.
  3. 3 首次购房者利率自2024年6月10日起生效. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 95% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV比率和其他因素, 而且可能比这里展示的要高. Rates, 成交费用和点可能因物业位置而异, 贷款类型和借款人信用及收入特点. 所有融资须经信贷审批. 基于购买价格$350的月付款,000, FICO®分数为780或更高, 首付款5%或以上, 贷款金额为332美元,500; they do not include amounts for taxes and insurance premiums, if applicable, 而实际支付义务可能更高. 房价如有变动,恕不另行通知. 可能会有一些限制. Please call for rate information about mortgage products with terms other than those listed.
  4. 4 自2024年6月10日起生效的可调利率. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 75% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV比率和其他因素, 而且可能比这里展示的要高. Rates, 成交费用和点可能因物业位置而异, 贷款类型和借款人信用及收入特点. 所有融资须经信贷审批. 基于购买价格$400的月付款,000, FICO®分数为780或更高, 25% down payment, 贷款金额为300美元,000; they do not include amounts for taxes and insurance premiums, if applicable, 而实际支付义务可能更高. 房价如有变动,恕不另行通知. 可能会有一些限制. Please call for rate information about ARM products with terms other than those listed.
  5. 5 固定费率自2024年6月10日起生效.Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 75% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV比率和其他因素, 而且可能比这里展示的要高. Rates, 成交费用和点可能因物业位置而异, 贷款类型和借款人信用及收入特点. 所有融资须经信贷审批. 基于购买价格$400的月付款,000, FICO®分数为780或更高, 25% down payment, 贷款金额为300美元,000; they do not include amounts for taxes and insurance premiums, if applicable, 而实际支付义务可能更高. 房价如有变动,恕不另行通知. 可能会有一些限制. Please call for rate information about mortgage products with terms other than those listed.
  6. 6 基于截至2022年12月31日的资产规模.