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首次购房者计划

首付低至5%,无需私人抵押贷款保险.

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Or call 1-800-561-9433

Fixed-Rate Options Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30-Year Fixed 8.125% 8.165% 0.000 $2,468.80 360
20-Year Fixed 8.125% 8.175% 0.000 $2,807.09 240
15-Year Fixed 8.000% 8.062% 0.000 $3,177.54 180

首次购房者利率自2024年7月1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. 根据您的信用评分,实际利率和年利率可能会有所不同, 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.

可调速率选项 Interest Rate  APR  Points  Initial Monthly Payment Maximum Monthly Payment
5/5 ARM 30 8.250% 7.261% 0.000
Months 1-60
$2,497.96
Months 61-360
$2,649.00
7/6 ARM 30 8.625% 8.555% 0.000
Months 1-84
$2,586.15
Months 85-360
$2,633.00

自2024年7月1日起生效的可调税率. 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. 根据您的信用评分,实际利率和年利率可能会有所不同, 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. 请致电了解ARM产品的价格信息,并注明其他条款.

上面列出的5/5 ARM产品 is a 30-year loan where the initial interest rate is fixed for the first 5 years (60 payments). 在最初的五年之后, 这是可能的利率, APR, 在剩余的贷款期限内,还款额可能会大幅增加. 在最初的五年之后, your interest rate can increase or decrease every 5 years up to the 15th year at which the interest rate can increase or decrease annually based on the average yield of the 5-year treasury, plus our margin (2.25%)四舍五入到最接近的0.125%. 任何变化都可能对您的月供产生重大影响. The index in the future is unknown so the Estimated Monthly Payment for payments 61-360 is based on the current index plus the margin (fully indexed rate).

上面列出的7/6 ARM产品 is a 30-year loan where the initial interest rate is fixed for the first 7 years (84 payments). 在最初的七年之后, 这是可能的利率, APR, 在剩余的贷款期限内,还款额可能会大幅增加. 在最初的七年之后, your interest rate can increase or decrease every six months based on the average of interbank offered rates for one-year U.S. 以美元计价的30天SOFR存款收益率加上我们的保证金.00%)四舍五入到最接近的0.125%. 任何变化都可能对您的月供产生重大影响. The index in the future is unknown so the Estimated Monthly Payment for payments 85-360 is based on the current index plus the margin (fully indexed rate).

首次购房者计划

KEY FEATURES

  • Down payment as little as 5% of the purchase price — and the 5% down payment can be 100% gifted to you
  • 不需要私人抵押贷款保险(PMI)
  • 适用于单户主要住宅
  • 购买金额最高可达45万美元
  • 灵活的抵押贷款选择,包括固定利率和可调利率
  • 低费用和成交费用
  • 个人指导,帮助你的每一步
  • Apply in 15-20 minutes!

计算你的储蓄

可能是个不错的选择吧

  • 你是一个在过去三年里没有房子的人
  • 您计划购买一套独栋住宅作为您的主要住所
  • Trade-off: Interest rate can be slightly higher than traditional fixed-rate and adjustable-rate options

与其他抵押贷款比较 

我如何知道首次购房者计划是否适合我?

一对夫妇正在收拾他们的新家

如果你正在购买你的第一套房子,或者你在过去三年内没有拥有过房子, 这对你来说是个不错的选择. 主要的好处是你只需要购买价格的5%作为首付款, 而传统贷款通常需要10%的利息. 即使有人给你5%的首付,你也有资格. 首次购房者计划的另一个好处是,你不必得到 私人按揭保险(PMI).


首次购房者计划包括这两项 固定和可调的利率选项. 您将从Elements获得一对一的指导,以帮助您选择最适合您的选项.

Apply Now

我如何选择固定利率按揭和可调利率按揭?

一对搬到新家的年轻夫妇

通过首次购房者计划, 你需要在固定利率和可调利率抵押贷款之间做出选择. 

Fixed-Rate Mortgage

有了固定利率抵押贷款,你就锁定了贷款期间的利率.

  • 利率和月供在贷款期限内保持不变
  • 没有利率意外
  • 如果你打算在你的房子里住上几年,那就太好了

可调利率按揭

可调利率抵押贷款, 你的利率会在一定年限后上升或下降.

  • 利率和付款在一段时间内是固定的,然后再调整
  • 贷款开始时较低的还款额
  • 如果你打算在短时间内拥有你的房子,这是完美的
  • 未来有可能降低利率

我们经验丰富的按揭专业人士将帮助您选择最适合您的按揭. Call 1-800-561-9433 or 今天就开始申请吧.

Apply Now

我的首付款真的可以只有5%吗?

年轻夫妇对搬进新家感到高兴

Yes!

你的首付款可以低至5%,这使你更有可能买到你的第一套房子. And it's okay if the 5% is gifted to you from someone else rather than from your own savings. With most mortgages, 你至少要付10%的首付款, 所以这绝对是一个很大的帮助.

Get Started

什么是私人抵押贷款保险(PMI)?

一对夫妇在外面看他们的新家

私人按揭保险(PMI) is insurance lenders require most homeowners to take out when they make a down payment of less than 20% of the home's purchase price. This insurance cost is typically tacked onto your monthly mortgage payment and is required until 20% of the principal amount is reached.

With the 首次购房者计划, no PMI is required when you put down as little as 5%. 在贷款期间,您可以节省高达25,000美元的PMI成本!

计算你能省下多少钱

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.

我应该在买房前获得预先批准吗?

一对在床上看ipad的情侣

Call us at 1-800-561-9433 to see if you can be pre-approved for a loan so that you know what price range you can afford, 评估每月的抵押贷款成本, 看看你能负担多少贷款. 预先批准也会给你在和卖家谈判时提供一些筹码.

Get Preapproved

我的按揭还款额如何计算?

儿子帮妈妈把桌子搬到卡车上

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. 

私人抵押贷款保险(PMI)也可以是你每月抵押贷款支付的一部分. 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.

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,指导您通过抵押贷款过程, 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 专门的抵押贷款发起人1 指导你完成整个抵押贷款流程.

Respected Locally. Accessed Globally.

Headquartered in Indianapolis since 1930, we rank among the top 3% of credit unions nationally2. 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. 我们在这里为您提供全天候会员服务,并在工作日进行实时聊天.

Get Started

在抵押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. 

Application Review & Approval 

一旦你提供了你的文件,你的贷款将被保险人审查. 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

一旦您的贷款获得最终批准, 您的结业将安排在您方便的地点. That's it — your mortgage is complete! 申请到结案平均需要 30 days

Get Started

结清按揭后,我需要知道些什么?

一扇蓝色的前门,上面铺着欢迎的垫子,上面写着“回家”。

我们与我们行业的合作伙伴合作,以最好地满足您的住房贷款需求. 自2017年以来,Elements Financial开始与Dovenmuehle Mortgage, Inc .结盟. (DMI)为我们的信用合作社直接持有的按揭贷款提供服务. DMI is known in the industry for professional service and convenient technology as one of the leading mortgage servicers in the U.S. 它们使我们能够提供以下会员福利:

  • 获取网上按揭税表;
  • 扩大一般抵押贷款信息在线和在您的月度报表, 如托管细节;
  • 继续24小时在线访问您的帐户和呼叫中心支持.

与DMI的联盟对你的抵押贷款条款没有影响. 在DMI提供服务的情况下,您的贷款仍然归Elements所有.

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. 〇安排收盘时间 我们将在整个抵押贷款过程中与您保持联系. 然后,如果你被批准了,我们会安排你在一个方便的地方结束交易.

Apply Now Get Preapproved

After our wedding, my husband and I began to look at homes online and realized we should probably consider financing first. 当元素来到我的工作场所, 我知道了首次购房者计划,其余的都是历史. 我们喜欢我们在喷泉广场的新家. Thanks Elements!

- Pat L. | Member since 2018

没有PMI我能省多少钱?

PMI储蓄计算器

Results

Total savings over the life of your loan compared to a competitor mortgage with the same rate of 3.667% APY.

在生命周期内的潜在储蓄 Your Loan

PMI Cost Per Month Total Cost of PMI
3.667% APR $0 $0
3.667% APR $119 $11,126

计算器的设计有一定的限制,仅供说明之用. Potential savings are estimates based on 首次购房者计划 rates as of 7/1/2024. Actual rates for competitor mortgages will vary but are depicted the same as Elements here to illustrate potential savings for PMI only.

  1. 1 全国抵押贷款许可制度注册人: 元素金融FCU 410639,肖恩·亚当斯 1969445, 查尔斯·阿金波拉1811812 芭芭拉·艾伦609733,里克·安德森 169934, Nick Bates 2030112, Lindsey Badanek 724103, Cynthia Bell 427359, Nyla Bivens 1128100, Jamie Bonner 435395, 劳拉·波登克彻1590841, 四月布拉顿1169913, 米莎·布鲁克斯, 道恩·米歇尔·布鲁斯899516,朱莉·鲍林443400,约翰·布格比581674, 梅丽莎·布洛克2122657, 特蕾西·巴克罗普609727, Karla Chevrie 404630, 伊丽莎·克劳伯恩1826115, 克里斯汀·克拉克609734,谢恩·克拉克2253719, Brooklynn Coop 2416469, Kaylee Cooper-Sweeting 2552218, 玛丽·安·迪卡德1259646, Ashlie M Dew 539208, 柯蒂斯·尼尔·多德,200259, 小Ron E Ellis 1207645, Barbara Fey 489638, 卡拉米歇尔费舍尔1469113, Tami Renee Forsythe 609730, Lenore Gallagher 975065, Sherry Gaw 988244, 艾米丽·古德1776621, Jody Gray 2320767, 罗伯特·古德温975067,昆汀·格顿 1919653,考特尼·古斯1623852; 阿比盖尔·霍尔1469114; 玛丽亚·赫斯特1809685, 拨打Holliday 1436039, Jennifer Hooker 1807696, 特里萨·伊里亚1128103,克里斯·琼斯 1484986, Kasey Jones 1942020, 克里斯托弗·科尔143199, Andee Kettlebar 443776, Jill Kidwell 609731, 布鲁克林金2311546, 米歇尔·金1759144,萨拉·基蒂1512646,肖恩·基利425511,布里特妮·克罗伊曼 2433042, 塔拉·妮可·兰伯特883082, 特雷莎·莱德福德444283, Cindy Leisure 1080329, 丽贝卡·利特尔996455, Tyler Lonergan 2066084, Blake Luker 2007589, 克里斯蒂·马尔斯609725,贝弗利·马歇尔444941,伊丽莎白·麦戈文 2313054, 亚历山大·梅涅斯特里纳1190426, Beth Moberg 473454, 贾斯汀·D·蒙图尔1198316,布鲁克·莫斯 1824059, 特丽·莫斯布鲁克1385461, 克里斯蒂娜·莫厄里916118, Amber D Murphy 1082684, 马洛里·尼尔1750269; 康斯坦斯·尼尔森975071,米夏·诺布尔 1950136, Grace Nolan 1840818, Regina Norman 1080327, Stacy Oswald 1380912, Clayton F Patterson 424532, Shaneka A Pedersen 426201, Meghan Pedigo 1601304, Shari Peek 1623439, 史蒂夫·佩里斯610700,珍妮·皮特里1529353,凯尔·托马斯·普拉姆利 1930758, Noah Pumphrey 2313162, Kim Purkhiser 1313210, Tania Query 608383, 丽贝卡·赖斯1007612, 米兰达·格蕾丝·蕾妮·里佐1198315, Janai S Roberts 252636, Tim Sallee 1192774, 苏珊·罗伯茨975068, Darlene Rogers 2266067, Carol Biale-Schroeder 1863399, Ryan Sebree 1866273, Ron Senci 1068152, 杰西卡·西格曼-布拉德福德1454706, Brad Smith 906855, 艾米·林恩·斯托克斯1387213, 波莱特Stull 1487007, Ann Sukup 2511201, 布伦特·泰德福德1892880, 布拉德利·汤普森609732, 朗达·韦弗2213627, 萨曼莎·怀特1849420
  2. 2 基于截至2022年12月31日的资产规模.