FHA贷款

An FHA贷款 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, market conditions and other factors. 然而, the rates can be competitive because the lender’s risk is decreased since the government backs the loan.

马上申请

An FHA贷款 has a fixed rate for the life of the loan but is attainable for borrowers with a lower income. See other differences in the chart.

是的!

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

开始

成交费用的具体金额会有所不同. A home loan often involves many fees, such as the appraisal fee, 标题的指控, 收的费用, and state or local taxes. 这些费用因州而异，也因贷款人而异. 你的元素 Mortgage Loan Originator will review all costs with you based on your specific loan amount, 购买价格, 房屋价值.

第三方费用

Third party fees are ones that we collect and pass on to the person who actually performed the service. These can include the appraisal fee, the credit report fee, the settlement or closing fee, 检验费, 税务服务费, title insurance fees, flood certification fees, and courier/mailing fees. 例如, an appraiser is paid the appraisal fee, 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. 

Taxes and Other Unavoidable Costs

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, don't assume you won't have to pay it. It is possible that a lender who doesn't tell you about the fee hasn't done the research necessary to provide accurate 关闭成本.

银行费用

Lender fees such as points, document preparation fees, 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. 元素对所有抵押贷款收取995美元的标准起始费.

For more information, call us at 1-800-561-9433.

是的! When you 再融资 your home, 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 利率 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 learn more about refinancing your mortgage 与元素.

请致电 1-800-561-9433 to see if you can be preapproved for a loan so that you know what price range you can afford, to evaluate the monthly costs of a loan, 看看你能负担多少贷款. The preapproval will also give you some leverage when negotiating with the sellers.

得到预先批准

开始

你可以 在线申请 15-20分钟后! Submit your application anytime. 或者打电话给我们 1-800-561-9433 电话申请. 当你申请时, 你的身份证(驾驶执照)准备好了吗, 状态标识, 或护照)和你的家庭收入估计, 资产, 房屋价值和你为房屋支付的价格.

Gathering Documentation

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. 

Application Review & 批准 

Once you have supplied your documents, your loan will be reviewed by an underwriter. After the underwriter review, your 元素 抵押贷款 Originator and Loan Processor will w工作 together to obtain any further documentation that is needed to close your loan, including the appraisal and title w工作. 

关闭

Once your loan has been approved, your closing will be scheduled at a location convenient for you. 就是这样，你的 FHA贷款 is complete! 申请到结案平均需要30天. 

开始

Like a Bank, Only Better!

个人 抵押贷款 Guidance

Buying a home can be a bit overwhelming. 不过别担心. 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, from preapproval all the way to closing. 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. 

更好的利率. 更少的费用.

Because we’re a credit union, 我们以降低费用的形式将利润返还给会员, higher savings rates, and lower loan rates.

可信的建议. 新鲜的方法.

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 抵押贷款 Originator to guide you through the entire mortgage process.

Respected Locally. 在全球范围内访问.

Headquartered in 印第安纳波利斯 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.

高科技. 人类接触.

我们的技术使使用元素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 w工作day.

开始

3 Easy Steps to 应用

1. 在线申请 - 只要你有15-20分钟的空闲时间，就在网上做这件事. 或打电话 1-800-561-9433 开始吧.
2. 接我们的电话 - 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. Schedule your closing - 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.

马上申请 得到预先批准

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

Principal and 感兴趣

本金和利息按贷款金额计算, 利率, and term (amortization) of your loan. 

房产税

财产 taxes are assessed annually. 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.

保险

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 抵押贷款 保险 (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 再融资.

计算 Your 支付