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有所不同, 市场情况等因素. 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. 参见图表中的其他差异.

是的!

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

开始

交割成本的具体数额将有所不同. 住房贷款通常涉及很多费用, 如评估费, 标题的指控, 收的费用, 以及州或地方税收. 这些费用因州而异，也因贷方而异. 你的元素 Mortgage Loan Originator will review all costs with you based on your specific loan amount, 购买价格, 还有房屋价值.

第三方费用

Third party fees are ones that we collect and pass on to the person who actually performed the service. 其中包括评估费, 信用报告费, 结算或结案费用, 调查费, 税务服务费, 产权保险费用, 洪水认证费用, 以及快递/邮寄费用. 例如, 评估师收取评估费, 信用局支付信用报告费, 产权公司或律师会支付产权保险费用. 

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. 如果一些贷款人不向你收取费用，包括税收和其他不可避免的费用, 别以为你不用付钱. 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.

银行费用

出借人收费如积分, 文件准备费用, 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标准的900美元发起费.

如需澳门十大信誉网赌大全信息，请致电 1-800-561-9433.

是的! 当你为你的房子再融资时, 你实际上还清了现有的抵押贷款，并以新的抵押贷款取而代之. 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. 你可以了解澳门十大信誉网赌大全 抵押贷款再融资 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, 评估每月贷款的成本, 看看你能承受多少贷款. 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! 随时提交申请. 或致电 1-800-561-9433 电话申请. 当你申请时, 准备好你的政府签发的身份证件(驾照, 状态标识, 或者护照)以及家庭收入的估计, 资产, 房屋价值和你为你的房子支付的价格.

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. 澳门十大信誉网赌大全也会回答你的任何问题. 

应用程序检查 & 批准 

Once you have supplied your documents, your loan will be reviewed by an underwriter. 在承销商审查之后, 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, 包括鉴定和所有权w工作. 

关闭

Once your loan has been approved, your closing will be scheduled at a location convenient for you. 这就是你的 联邦住房管理局贷款已完成! 申请到结案平均需要30天. 

开始

就像银行，只是更好!

个人按揭指引

买房可能会让人有点不知所措. 但是别担心. 澳门十大信誉网赌大全将与您一起走过每一步，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, 这样你的问题就能很快得到解答. 

更好的利率. 更少的费用.

因为澳门十大信誉网赌大全是信用合作社, 澳门十大信誉网赌大全以减少费用的形式将利润返还给会员, 更高的储蓄率, 以及较低的贷款利率.

可信的建议. 新鲜的方法.

澳门十大信誉网赌大全为自己是值得信赖的金融教育来源而自豪. 澳门十大信誉网赌大全来到您的工作场所，解答您的疑问，并能为您提供 a dedicated 抵押贷款 Originator to guide you through the entire mortgage process.

尊重当地. 在全球范围内访问.

Headquartered in 印第安纳波利斯 since 1930, we rank among the top 4% of credit unions nationally⁵. 澳门十大信誉网赌大全为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.

澳门十大信誉网赌大全的技术使银行与元素容易. 从快速数字应用到在线应用 还有手机银行，无论您走到哪里，澳门十大信誉网赌大全都在您身边. We’re here for you with member service available 24/7 and live chat during the w工作day.

开始

3个简单的申请步骤

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. 接澳门十大信誉网赌大全的电话 - 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. 安排结案时间 - 在整个抵押过程中，澳门十大信誉网赌大全会与您保持联系. 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

你每月的按揭付款由四个部分组成:本金, 感兴趣, 房产税, 和业主保险(简称“PITI”). 

本金与利息

本金和利息是根据贷款金额计算的, 利率, 还有你贷款的期限(摊销). 

房产税

房产税每年评估一次. 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.

保险

房主保险也是每年支付的. 每年的保险费也要除以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.

计算你的还款