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6月22日星期六开始哪个赌钱app比较好计划维护 了解更多

土地贷款

When you’ve found the perfect place to build.

呼叫 to Apply 1-800-561-9433

土地贷款

The way to finance just the lot for your dream home.

关键特性

  • 一种贷款,用于为您将在其上建造主要住所的未改良土地提供资金
  • 融资高达地段价值的80%(需要20%的首付款),最高可达250,000美元
  • 1-year maximum loan term

MAY BE A GOOD CHOICE IF

  • You want to keep your land and home loans separate
  • You are buying a lot for a future home

呼叫 for 利率 1-800-561-9433

So, what exactly is a 土地贷款?

一对老夫妇在新房子将要建造的地方看着他们的家人

As with many loans, the name says it all. 这笔贷款为你计划建造主要住所的土地提供资金. An 元素 土地贷款 can be used for unimproved land, 这意味着它可能已经有了公用设施和便利设施,但可能还没有电表或天然气表之类的东西.

与其他可以持续数年的贷款不同,土地贷款的最长期限为一年. 所以即使你没有在这段时间内建造你的房子, you will have already paid off the loan for the land.

When you’re ready to build your home, you can consider the Single-Close Construction Loan.

呼叫 to Apply 1-800-561-9433

What fees and closing costs should I expect?

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. 这些费用因州而异,也因贷款人而异. 你的元素 M贷款发起人将根据您的具体贷款金额与您一起审查所有费用, 购买价格, 房屋价值.

Third Party Fees

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. These can include the appraisal fee, the credit report fee, the settlement or closing fee, 检验费, 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, 产权公司或律师会支付产权保险费. 

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. 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, don't assume you won't have to pay it. 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, 贷款处理费由贷款人保留,用于为你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. 元素对所有抵押贷款收取995美元的标准起始费.

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

Should I get preapproved?

Couple and baby looking at their home being built

It is a good idea to get preapproved for a 土地贷款, 特别是因为房产上没有房子可以做抵押. 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, to evaluate the monthly costs of a loan, and to see how much of a loan you can afford.

呼叫 to Get Preapproved 1-800-561-9433

What happens during the mortgage application process?

Getting Started

请致电 1-800-561-9433 to apply by phone. When you apply, 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.

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

Application Review & 批准 

一旦你提供了你的文件,你的贷款将被保险人审查. After the underwriter review, your 元素 抵押贷款 Loan Originator 和贷款处理员将一起工作,以获得任何进一步的文件,需要关闭你的贷款, including the appraisal and title w工作. 

关闭

一旦你的贷款被批准,你的关闭将安排在一个方便你的地方. That's it — your mortgage is complete! Application to closing takes an average of 30 days.

呼叫 to Get Started 1-800-561-9433

Why should I go to 元素 for my mortgage?

Like a Bank, Only Better!

个人贷款 Guidance

Buying land can be a bit overwhelming, but don’t worry. 我们将全程陪伴您,指导您完成贷款申请流程, from pre-approval all the way to closing. 

更好的利率. 更少的费用.

Because we’re a credit union, we return profits to members in the form of reduced fees, higher savings rates, and lower loan rates.

Trusted 建议. 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 一个专门的 抵押贷款 Loan Originator1 to guide you through the entire loan process.

Respected Locally. Accessed Globally.

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. We serve members in all 50 states and 50+ countries. 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.

Our technology makes banking with 元素 easy. 从快速的数字应用程序到在线和移动银行,无论您走到哪里,我们都会在您身边. 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.

呼叫 to Get Started 1-800-561-9433

How do I apply?

Couple, daughter, and dog in their new home's garden

3 Easy Steps to Apply

  1. 呼叫 1-800-561-9433 申请- 呼叫 us whenever you have 15-20 minutes to spare to get started.
  2. Take our call - 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 loan process. 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.

How is my mortgage payment calculated?

你每月的按揭还款由四个部分组成:本金, 感兴趣, property taxes, and homeowner’s insurance (referred to as "PITI"). 

Principal and Interest

Principal and 感兴趣 are based on the loan amount, 利率, and term (amortization) of your loan. 

房产税

Property taxes are assessed annually. 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

首页owner’s 保险 is also paid annually. 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. 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.

  1. 1 Nationwide 抵押贷款 Licensing System Registrants: 元素 Financial FCU 410639, Shawn Adams 1969445, Charles Akinbola 1811812, Barbara L Allen 609733, Rick Anderson 169934——尼克·贝茨 2030112, Lindsey Badanek 724103, Cynthia Bell 427359, Nyla Bivens 1128100, Jamie Bonner 435395, Laura Bordenkecher 1590841, April Bratton 1169913, Miesha Brooks 1916521, 道恩·米歇尔·布鲁斯899516,朱莉·鲍林443400,约翰·布格比581674, Melissa Bullock 2122657, Tracee Buckrop 609727, Karla Chevrie 404630, Eliza Claborn 1826115, Christine Clark 609734, Shane Clark 2253719, Brooklynn Coop 2416469, Kaylee Cooper-Sweeting 2552218, Mary Ann Deckard 1259646, Ashlie M Dew 539208, Curtis Neal Dodd 200259, Ron E Ellis Jr 1207645, Barbara Fey 489638, Kara Michelle Fischer 1469113, Tami Renee Forsythe 609730, Lenore Gallagher 975065, Sherry Gaw 988244, Emilee Goode 1776621, 杨晨灰色 2320767, Robert Goodwin 975067, Quentin Girten 1919653, Courtney Guth 1623852, Abigail Hall 1469114, Mariah Hestand 1809685, Dial Holliday 1436039, Jennifer Hooker 1807696, Theresa Iaria 1128103, Chris Jones 1484986, 凯西·琼斯1942020,克里斯托弗·科尔143199,安迪·凯特尔巴尔443776,吉尔·基德维尔609731, Brooklynn King 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, Tara Nicole Lambert 883082, Teresa Ledford 444283, Cindy Leisure 1080329, Rebecca Littell 996455, Tyler Lonergan 2066084, 布雷克卢克 2007589, Kristy Mars 609725, Beverly Marshall 444941, Elizabeth McGovern 2313054, Alexander J Menestrina 1190426, Beth Moberg 473454, Justin D Montour 1198316, Brooke Moss 1824059, Terri Mossbrucker 1385461, Kristina Mowery 916118, Amber D Murphy 1082684, Mallory Neill 1750269, Constance Nelson 975071, Micha Noble 1950136, 恩典诺兰 1840818, Regina Norman 1080327, Stacy Oswald 1380912, Clayton F Patterson 424532, Shaneka A Pedersen 426201, Meghan Pedigo 1601304, Shari Peek 1623439, Steve Perius 610700, Janene Petree 1529353, Kyle Thomas Plumlee 1930758, Noah Pumphrey 2313162, Kim Purkhiser 1313210, Tania Query 608383, Rebecca Rice 1007612, Miranda Grace Renee Rizzo 1198315, Janai S Roberts 252636, Tim Sallee 1192774, Susan Roberts 975068, Darlene Rogers 2266067, Carol Biale-Schroeder 1863399, Ryan Sebree 1866273, Ron Senci 1068152, Jessica Siegman-Bradford 1454706, Brad Smith 906855, Amy Lynn Stokes 1387213, Paulette Stull 1487007, 安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 Based on asset size as of 12/31/2022.