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FHA Loan

For lower interest rates and less-stringent approval requirements.

Apply Now Get Preapproved

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

FHA Mortgage Rates effective as of June 10, 2024. 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, and may be higher than those displayed here. Rates, closing costs, and points may vary by property location, loan type, and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Example Monthly Payments based on a purchase price of $400,000, 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, and they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. Rates are subject to change without notice. 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

FHA Mortgage Rates effective as of June 10, 2024. 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, and may be higher than those displayed here. Rates, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. 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, and they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. Rates are subject to change without notice. 可能会有一些限制.

FHA Loan

Government-backed, fixed-rate loan with a low down payment.

KEY FEATURES

  • Fixed-rate mortgage backed by the Federal Housing Administration (FHA)
  • 首付款低至3美元.购买价的5%
  • Can be used for home purchase or mortgage refinance
  • Issued by federally qualified lenders, such as 利记app官网
  • Apply in 15-20 minutes!

计算你的付款

可能是个不错的选择吧

  • You do not have a substantial down payment saved
  • You have less-than-perfect credit or limited credit history
  • 你的收入中低等
  • Trade-off: The lowest rates usually carry some fees and closing costs

与其他抵押贷款比较

那么,什么是联邦住房管理局贷款呢?

Two parents and their baby playing with packing peanuts from unpacking boxes

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. 

The interest rate can vary depending on the borrower’s credit score, 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.

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How does an FHA Loan compare to other Elements mortgage options?

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

Do not have a substantial down payment saved

Have less than perfect credit or limited credit history

Do not have a substantial down payment saved

Have not owned a house in the past three years

Want your rate and payments to stay same for life of loan

Plan to stay in your home for several years

Are comfortable with rate and payments fixed at first, then adjusting later

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. Please call for information about other ARM products and terms.

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 Backed by the Federal Housing Administration (FHA)

Can my down payment really be as little as 3.5%?

New homeowners walking into their new home

Yes!

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

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What fees and closing costs should I expect?

The specific amount of your closing costs will vary. 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. These fees vary from state to state and also from lender to lender. 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, a credit bureau is paid 信用报告费, and a title company or an attorney is paid the 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. If some lenders don't quote you fees that include taxes and other unavoidable fees, 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 charges a standard $995 origination fee on all mortgages.

欲了解更多信息,请致电我们 1-800-561-9433.

Is refinancing available with an FHA loan?

Yes! 当你为你的房子再融资时, you actually pay off your existing mortgage and replace it with a new one. 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, to evaluate the monthly costs of a loan, and to see how much of a loan you can afford. The preapproval will also give you some leverage when negotiating with the sellers.

Get Preapproved

What happens during the loan application process?

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, have ready your government-issued ID (driver’s license, state ID, or passport) and estimates of your household income, assets, home value and price you paid for your home.

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. We’ll also answer any questions you may have. 

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! Application to closing takes an average of 30 days. 

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Why should I go to Elements for my mortgage?

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. We’ll be with you every step of the way to guide you through the FHA Loan process, 从预审到结案. You’ll have your personal mortgage expert’s cell phone number, so you can get all your questions answered very quickly. 

Better Rates. Fewer Fees.

因为我们是信用合作社, we return profits to members in the form of reduced fees, 更高的储蓄率, 更低的贷款利率.

Trusted Advice. Fresh Approach.

We pride ourselves on being a trusted source for financial education. We come to your workplace to answer questions and can provide you with 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. We serve members in all 50 states and 50+ countries. You’ll have access to 5,000+ shared branches nationwide and 78,000+ surcharge-free ATMs globally.

High Tech. Human Touch.

Our technology makes banking with Elements easy. From quick digital applications to online and mobile banking, we’ll be by your side wherever you go. We’re here for you with member service available 24/7 and live chat during the workday.

Get Started

How do I apply?

Screenshot of Elements online application

3个简单的步骤应用

  1. Apply online - Do this online whenever you have 15-20 minutes to spare. 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 - We'll stay in touch with you throughout the mortgage process. 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?

Your monthly mortgage payment is made up of four components: principal, interest, property taxes, and homeowner’s insurance (referred to as "PITI"). 

本息

Principal and interest are based on the loan amount, 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

Homeowner’s Insurance is also paid annually. The amount of your annual premium is divided by 12 months as well. 

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 FHA Mortgage Rates effective as of June 10, 2024. 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, and may be higher than those displayed here. Rates, closing costs, and points may vary by property location, loan type, and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Example Monthly Payments based on a purchase price of $400,000, 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, and they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. Rates are subject to change without notice. 可能会有一些限制.
  2. 2 FHA Mortgage Rates effective as of June 10, 2024. 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, and may be higher than those displayed here. Rates, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. 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, and they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. Rates are subject to change without notice. 可能会有一些限制.
  3. 3 First Time Homebuyer Rates effective as of June 10, 2024. 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, and may be higher than those displayed here. Rates, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Example Monthly Payments based on purchase price of $350,000, 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, and the actual payment obligation may be higher. Rates are subject to change without notice. 可能会有一些限制. Please call for rate information about mortgage products with terms other than those listed.
  4. 4 Adjustable Rates effective as of June 10, 2024. 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, and may be higher than those displayed here. Rates, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Example Monthly Payments based on a purchase price of $400,000, 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, and the actual payment obligation may be higher. Rates are subject to change without notice. 可能会有一些限制. Please call for rate information about ARM products with terms other than those listed.
  5. 5 Fixed Rates effective as of June 10, 2024.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, and may be higher than those displayed here. Rates, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Example Monthly Payments based on a purchase price of $400,000, 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, and the actual payment obligation may be higher. Rates are subject to change without notice. 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.