| FHA贷款 购买 | 感兴趣 率 | 4月 | 点 | 每月 付款 | 贷款期限 (个月) |
|---|---|---|---|---|---|
| 30年期固定 | 2.875% | 3.909% | 0.0 | $1,018.00 | 360 |
| 15年固定 | 2.750% | 3.788% | 0.0 | $1,666.00 | 180 |
FHA 抵押贷款 利率 effective as of December 20, 2021. 请注意，这里显示的利率和年百分比利率(apr)适用于信用评分为740或更高和96的借款人.贷款价值比(LTV)为5%，基于印第安纳州房地产担保的贷款. 实际利率和apr可能会因您的信用评分而有所不同, LTV ratio and other factors, and may be higher than those displayed here. 利率, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. 购买价格为25万美元的月供，FICO®分数为740或更高，以及3.5% or more down payment, and loan amount of $241,250; they do not include amounts for taxes and insurance premiums, 如果适用的话, and the actual payment obligation may be higher. 利率 are subject to change without notice. Some restrictions may apply.
| FHA贷款 Refinance | 感兴趣 率 | 4月 | 点 | 每月 付款 | 贷款期限 (个月) |
|---|---|---|---|---|---|
| 30年期固定 | 2.875% | 3.909% | 0.0 | $1,018.00 | 360 |
| 15年固定 | 2.750% | 3.788% | 0.0 | $1,666.00 | 180 |
FHA 抵押贷款 利率 effective as of December 20, 2021. 请注意，这里显示的利率和年百分比利率(apr)适用于信用评分为740或更高和96的借款人.贷款价值比(LTV)为5%，基于印第安纳州房地产担保的贷款. 实际利率和apr可能会因您的信用评分而有所不同, LTV ratio and other factors, and may be higher than those displayed here. 利率, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. 购买价格为25万美元的月供，FICO®分数为740或更高，以及3.5% or more down payment, and loan amount of $241,250; they do not include amounts for taxes and insurance premiums, 如果适用的话, and the actual payment obligation may be higher. 利率 are subject to change without notice. Some restrictions may apply.
联邦住房管理局贷款是一种由具有联邦资格的贷款人发行并由联邦住房管理局(FHA)担保的抵押贷款. 它们是为那些无法支付大笔首付的低收入或中等收入的借款人设计的. 对于信用评分不高或债务收入比(DTI)高的借款人来说，这也是一个不错的选择.
The 利率 can vary depending on the borrower’s credit score, market conditions and other factors. 然而, 由于政府支持贷款，贷方的风险降低了，因此利率具有竞争力.
联邦住房管理局的贷款在贷款期间有固定的利率，但对收入较低的借款人来说是可以实现的. See other differences in the chart.
| FHA贷款 | First-Time 首页buyer Program | Fixed-率 抵押贷款 | Adjustable 率 抵押贷款 | |
|---|---|---|---|---|
| 马上申请 | 马上申请 | 马上申请 | 马上申请 | |
| 关键好处 |
Low down payment Government-backed |
Low down payment No mortgage insurance |
Predictable payments No 感兴趣-rate surprises |
Lowest short-term rates Initial lower monthly payments |
| A Good Option If You |
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 Don't plan to stay in the home long |
| Available 贷款期限s |
购买 & 再融资: 15 and 30 year fixed |
15, 20, and 30 year fixed 5/5的手臂 |
购买 & 再融资: 5, 7, 10, 15, 20, and 30 years |
购买 & 再融资: 3/6, 5/6, 7/6 ARM 5/5所 5/5的瘟疫 |
| 感兴趣 率 As Low As | 2.750% |
15 Year Fixed at 3% |
采购:2.500% 再融资:2.500% |
采购:2.375% 再融资:2.375% |
| 4月低至 | 3.788%1 |
15 Year Fixed at 3%2 |
采购:2.644%3 再融资:2.644% |
采购:2.865%4 再融资:2.865% |
| 没有点 | ||||
| No 抵押贷款 保险 (PMI) | — | — | — | |
| 首付 | 低至3.5% of 购买价格 | As low as 5% of 购买价格 | As low as 20% of 购买价格 | As low as 10% of 购买价格 |
| 贷款限制 | — |
高达350000美元 |
— | — |
| 特殊特性 | 回来ed by the Federal Housing Administration (FHA) | — | — | — |
| 马上申请 | 马上申请 | 马上申请 | 马上申请 |
The specific amount of your closing costs will vary. 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. These fees vary from state to state and also from lender to lender. 你的元素 M抵押贷款发起人将审查所有成本与您的基础上，您的具体贷款金额, 购买价格, 和家庭价值.
第三方费用是指澳门拉斯维加斯网页收取并支付给实际执行服务的人的费用. These can include the appraisal fee, the credit report fee, the settlement or closing fee, 调查费, tax service fees, title insurance fees, flood certification fees, and courier/mailing fees. 例如, an appraiser is paid the appraisal fee, a credit bureau is paid the credit report fee, and a title company or an attorney is paid the title insurance fees.
这些费用包括州/地方税收和记录费用，无论你选择的是哪一家贷款机构，都很可能要支付这些费用. If some lenders don't quote you fees that include taxes and other unavoidable fees, don't assume you won't have to pay it. 有可能，没有告诉你费用的贷款人没有做必要的研究，以提供准确的交易成本.
Lender fees such as points, document preparation fees, 贷款处理费用由贷款人保留，用于向你提供尽可能低的利率. 在做出决定之前，你应该对不同贷款方的费用进行非常仔细的比较. 元素 charges a standard $900 origination fee on all mortgages.
For more information, call us at 1-.
是的! When you 再融资 your home, you actually pay off your existing mortgage and replace it with a new one. 你可以这样做以获得更低的利率或缩短你的抵押贷款期限. 也许你目前的财务状况会让你从传统的抵押贷款转换到FHA利率，如此页所述. 你可以 learn more about refinancing your mortgage 与元素.
| FHA贷款 Refinances | 感兴趣 率 | 4月 | 点 | 每月 付款 | 贷款期限 (个月) |
|---|---|---|---|---|---|
| 30年期固定 | 2.875% | 3.909% | 0.0 | $1,018.00 | 360 |
| 15年固定 | 2.750% | 3.788% | 0.0 | $1,666.00 | 180 |
FHA 抵押贷款 利率 effective as of December 20, 2021. 请注意，这里显示的利率和年百分比利率(apr)适用于信用评分为740或更高和96的借款人.贷款价值比(LTV)为5%，基于印第安纳州房地产担保的贷款. 实际利率和apr可能会因您的信用评分而有所不同, LTV ratio and other factors, and may be higher than those displayed here. 利率, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. 购买价格为25万美元的月供，FICO®分数为740或更高，以及3.5% or more down payment, and loan amount of $241,250; they do not include amounts for taxes and insurance premiums, 如果适用的话, and the actual payment obligation may be higher. 利率 are subject to change without notice. Some restrictions may apply.
打电话给澳门拉斯维加斯网页, 1- 看看你是否可以预先批准贷款，这样你就能知道你能承受的价格范围, 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.
你可以 在线申请 in 15-20 minutes! Submit your application anytime. 或致电 1- to apply by phone. 当你申请, have ready your government-issued ID (driver’s license, 状态标识, or passport) and estimates of your household income, 资产, home value and price you paid for your home.
澳门拉斯维加斯网页将在您提交申请后的一个工作日内与您联系，审阅澳门拉斯维加斯网页需要从您那里获得的文件. We’ll also answer any questions you may have.
Once you have supplied your documents, your loan will be reviewed by an underwriter. After the underwriter review, 您的元素抵押贷款发起人和贷款处理人将一起工作，以获得结束您的贷款所需的任何进一步文件, including the appraisal and title w工作.
一旦你的贷款被批准，你的关闭将被安排在一个方便你的位置. That's it — your FHA贷款 is complete! Application to closing takes an average of 30 days.
Buying a home can be a bit overwhelming. But don’t worry. We’ll be with you every step of the way to guide you through the FHA贷款 process, from preapproval all the way to closing. You’ll have your personal mortgage expert’s cell phone number, so you can get all your questions answered very quickly.
Because we’re a credit union, we return profits to members in the form of reduced fees, higher savings rates and lower loan rates.
We pride ourselves in being a trusted source for financial education. We come to your w工作place to answer questions and can provide you with 一个专门的按揭贷款发放机构，指导您完成整个按揭流程.
自1930年以来，澳门拉斯维加斯网页的总部设在印第安纳波利斯，在全国信用合作社中排名前3%5. We serve members in all 50 states and 50+ countries. 您将在全国范围内使用5000多家共享网点，在全球范围内使用78000多台免收附加费的atm机.
Our technology makes banking 与元素 easy. From quick digital applications to online and mobile banking, we’ll be by your side wherever you go. 澳门拉斯维加斯网页在这里为您提供24/7的会员服务，并在工作日期间实时聊天.
Your monthly mortgage payment is made up of four components: principal, 感兴趣, 房产税, and homeowner’s insurance (referred to as "PITI").
Principal and 感兴趣 are based on the loan amount, 利率, and term (amortization) of your loan.
财产 taxes are assessed annually. 你的税款金额除以12个月，以确定每月从你那里收取的部分款项.
首页owner’s 保险 is also paid annually. The amount of your annual premium is divided by 12 months as well.
私人抵押贷款保险(PMI)也可以成为你每月抵押贷款支付的一部分. 这是贷款人获得的保险，以保护他们免受任何损失，如果你停止支付你的贷款. 如果你在购买时没有至少支付20%的首付，或者在再融资时你的房产拥有20%或更多的股权，那么传统贷款通常需要PMI.
