First-Time 首页buyer Program

If you are buying your first home or you haven’t owned a home in the past three years, 这对你来说是个不错的选择. The main benefit is that you need just 5% of the 购买价格 for your down payment, 而传统贷款通常需要10%的利息. 你可以 qualify even if someone is gifting you the 5% down payment. Another benefit of the First-Time 首页buyer Program is that you do not have to get Private 抵押贷款 保险 (PMI).

首次购房者计划包括这两项 fixed and adjustable rate options. You will get one-on-one guidance from 元素 to help you select the option best for you.

马上申请

通过首次购房者计划, you will need to choose between a fixed and adjustable rate mortgage. 

固定利率抵押贷款

With a fixed-rate mortgage, you lock in your 利率 for the life of the loan.

• 感兴趣 rate and monthly payments stay the same for the life of the loan
• No 感兴趣-rate surprises
• 如果你打算在你的房子里住上几年，那就太好了

Adjustable 率 抵押贷款

With an adjustable rate mortgage, your 利率 will go up or down after a specified number of years.

• 感兴趣 rate and payments are fixed for a set period of time then adjusted later
• 贷款开始时较低的还款额
• Perfect if you're planning to own your home for a short period of time
• 未来有可能降低利率

Our experienced mortgage professionals will help you select the best mortgage for you. 呼叫 1-800-561-9433 or start your application today.

马上申请

是的!

Your down payment can be as low as 5%, making it more likely you can buy your first home. 如果这5%是别人送给你的礼物，而不是你自己的存款，也没关系. 大多数抵押贷款, 你至少要付10%的首付款, so this is definitely a big help.

开始

私人抵押贷款保险(PMI)是贷款机构要求大多数房主在首付低于房屋购买价格20%时购买的保险. 这笔保险费用通常附加在你每月的抵押贷款上，直到达到本金的20%.

有了“要素首次购房者计划”，只要首付5%，就不需要PMI. 你可以 save up to $25,000 in PMI costs over the course of your loan!

计算 How Much You Can Save

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, 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. 您的要素抵押贷款发起人将审查所有费用与您根据您的具体贷款金额, 购买价格, 房屋价值.

第三方费用

第三方费用是指我们收取并转交给实际提供服务的人的费用. 这些费用可能包括评估费, the credit report fee, the settlement or closing fee, 检验费, 税务服务费, 产权保险费用, flood certification fees, and courier/mailing fees. 例如, 鉴定人获得鉴定费, 信用报告费用由信用局支付, and a title company or an attorney is paid the 产权保险费用. 

Taxes and Other Unavoidable Costs

这些费用包括州/地方税收和记录费用，无论你选择哪个贷款机构，很可能都要支付. If some lenders don't quote you fees that include taxes and other unavoidable fees, 不要以为你不用付钱. 一个没有告诉你费用的贷款人可能没有做必要的研究来提供准确的成交成本. 

银行费用

Lender fees such as points, document preparation fees, 贷款处理费用由贷方保留，用于为您提供尽可能低的利率. 在做出决定之前，你应该非常仔细地比较不同贷款人的费用类别. 元素 charges a standard $995 origination fee on all mortgages.

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

请致电 1-800-561-9433 看看你能不能提前申请到贷款，这样你就知道你能承受的价格范围了, 评估每月的抵押贷款成本, 看看你能负担多少贷款. The pre-approval will also give you some leverage when negotiating with the sellers.

得到预先批准

Your monthly mortgage payment is made up of four components: principal, 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, 以及贷款的分期偿还期限. 

房产税

财产税每年评估一次. 你的税额要除以12个月，以确定每月从你那里收取多少税款.

保险

房主保险也是按年支付的. The amount of your annual premium is divided by 12 months as well. 

Private 抵押贷款 保险 (PMI) can also be a component of your monthly mortgage payment. 这是贷款人获得的保险，以保护他们免受任何损失，如果你停止偿还贷款. 如果你在购买时不支付至少20%的首付，或者在再融资时拥有20%或更多的房产权益，那么传统贷款通常需要PMI.

Like a Bank, Only Better!

个人 抵押贷款 Guidance

买房可能会让人有点不知所措. 不过别担心. We’ll be with you every step of the way to guide you through the mortgage process, 从预审到结案. You’ll have your personal mortgage expert’s cell phone number, 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.

We pride ourselves on being a trusted source for financial education. We come to your w工作place to answer questions and can provide you with 专门的抵押贷款发起人¹ 指导你完成整个抵押贷款流程.

尊重当地. 在全球范围内访问.

自1930年以来，我们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%². 我们为所有50个州和50多个国家的会员提供服务. 您可以使用全国5000多家共享分行和全球78000多台免费atm机.

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

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

我们将在您提交申请后的一个工作日内与您联系，以审查我们需要您提供的文件. 我们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. After the underwriter review, 您的元素抵押贷款发起人和贷款处理人员将共同努力，以获得关闭贷款所需的任何进一步的文件, 包括估价和职称工作. 

关闭

一旦您的贷款获得最终批准, your closing will be scheduled at a location convenient for you. 就是这样，你的 按揭已完成! 申请到结案平均需要 30天. 

开始

We w工作 with partners in our industry to best serve your home loan needs. Since 2017, 好的赌博软件推荐 began an alliance with Dovenmuehle 抵押贷款, Inc. (DMI) to provide servicing for the mortgage loans directly held by our credit union. DMI以其专业的服务和便捷的技术而闻名于业界，是美国领先的抵押贷款服务机构之一.S. 它们使我们能够提供以下会员福利:

• 获取网上按揭税表;
• Expanded general mortgage information online and within your monthly statement, such as escrow details;
• Continued 24-hour online access to your account and call center support.

The alliance with DMI has no impact on the terms of your mortgage. Your loan is still owned by 元素 in cases where DMI provides the servicing.

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 我们将在您提交申请后的一个工作日内与您联系，查看我们需要哪些文件并回答您的问题.
3. Schedule your closing - 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.

马上申请 得到预先批准