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大型抵押贷款

When your dream home comes with a higher price tag, we have solutions.

马上申请 呼叫 for 利率 1-800-561-9433

大型抵押贷款

当抵押贷款金额超过房利美和房地美设定的限额时的贷款.

关键特性

  • Available in a variety of terms, including fixed-rate and adjustable-rate loans
  • Covers purchase and refinance amounts up to $1 million
  • Up to 90% financing is available
  • No Private 抵押贷款 保险 (PMI) required
  • Financing options for primary residences and second homes
  • 应用 15-20分钟后!

可能是个不错的选择吧

  • You want to avoid taking out two or more loans to finance a home purchase
  • Trade-off: Interest rate can be slightly higher than a traditional home loan, and credit requirements are rigorous

利率

呼叫 1-800-561-9433 for 大型抵押贷款 rates.

有关大额按揭的利率资料,请联络按揭贷款发起人. State-specific and Title 保险 fees may apply. All loans are subject to application and credit approval. Terms and conditions are subject to change. Other terms, conditions, and restrictions may apply.

So, what exactly is a 大型抵押贷款?

Couple outside their new home and swimming pool

联邦住房融资局(FHFA)为标准抵押贷款设定了最高额度. In most counties, that max is $510,400. 因此,如果你需要比这个数额更高的抵押贷款,你可能需要申请巨额贷款. 巨额贷款也被称为非常规传统抵押贷款,因为它们不能得到房利美和房地美的担保. Because the lender is not protected from losses, they require much stricter criteria from the borrower.

比较所有抵押贷款 马上申请

How does a 大型抵押贷款 compare to other mortgage options?

大额抵押贷款与其他抵押贷款的主要区别在于贷款金额. 它们可以作为固定利率或可调利率贷款,但资格标准更为严格. 贷款人会要求你有很高的信用评分,还会考虑你的债务收入比和现金储备.

  大型抵押贷款 固定利率抵押贷款 Adjustable 率 抵押贷款 FHA贷款
关键好处

Loan for higher-priced properties1

没有按揭保险

可预测的支付

No 感兴趣-rate surprises

最低短期利率

Initial lower monthly payments

低首付款

政府支持的

一个不错的选择,如果你

Want to avoid two or more loans for a home purchase up to $1 million

Have established credit history

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

Do not have a substantial down payment saved

Have less than perfect credit or limited credit history

可用贷款条款

Fixed and adjustable rate options

购买 & 再融资:

5, 7, 10, 15, 20, and 30 years

购买 & 再融资:

5/5 ARM 30 year and 7/6 ARM 30 year. Please call for information about other ARM products and terms.

购买 & 再融资:

15年和30年

利率低至 联络我们以获取选择

购买:6.15年期固定利率250%

再融资:6.15年固定贷款500%

购买:6.875% for 3/6 ARM 30-Year

再融资:7.375% for 3/6 ARM 30-Year

购买:6.30年期固定利率为125%

再融资:6.30年期固定利率为125%

年利率低至 联络我们以获取选择

购买:6.15年期固定贷款315%2

再融资:6.15年期固定利率为566%2

采购:8.004% for 3/6 ARM 30-Year3 

再融资:8.141% for 3/6 ARM 30-Year3 

购买:6.30年期固定利率为882%4

再融资:6.30年期固定利率为882%5

没有点
No 抵押贷款 保险 (PMI)
首付 Varies based on loan terms chosen As low as 购买价的5% As low as 10% of 购买价格 低至3.购买价的5%
贷款限制

高达100万美元

特殊特性 回来ed by the Federal Housing Administration (FHA)

Is refinancing available?

Family in living room watching television.

是的!

您可以将当前的抵押贷款再融资为大额抵押贷款,金额最高可达100万美元. Loan rates vary based on the loan terms you choose, so call 1-800-561-9433 to get the current 大型抵押贷款 rates.

What fees and 关闭成本 should I expect?

The specific amount of your 关闭成本 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. 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. These can include the appraisal fee, 信用报告费, 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, an appraiser is paid the appraisal fee, 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. 

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 charges a standard $995 origination fee on all mortgages.

Should I get preapproved before buying a home?

Couple buying their new dream home

请致电 1-800-561-9433 to see if you can be preapproved for a loan. 预先批准也会给你在和卖家谈判时提供一些筹码.

What happens during the mortgage application process?

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, 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. 

收集文档

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. 

应用程序检查 & 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, 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, including the appraisal and title w工作. 

关闭

Once your loan has received final approval, your closing will be scheduled at a location convenient for you. 就是这样,你的 按揭已完成! Application to closing takes an average of 30天

Why should I go to 元素 for my mortgage?

Like a Bank, Only Better!

个人 抵押贷款 Guidance

Buying a home can be a bit overwhelming. 不过别担心. We’ll be with you every step of the way to guide you through the mortgage process, from pre-approval 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. 

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, 更高的储蓄率, 更低的贷款利率.

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 a dedicated 抵押贷款 Originator6 to guide you through the entire mortgage process.

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%7. 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. From quick digital applications to online and mobile banking, we’ll be by your side wherever you go. 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.

开始

我如何申请?

Screenshot of 元素 online application

3个简单的步骤应用

  1. 在线申请 - Do this online whenever you have 15-20 minutes to spare. 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. 〇安排收盘时间 We'll stay in touch with you throughout the mortgage 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.

马上申请 得到预先批准

How is my mortgage payment calculated?

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"). 

本息

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

房产税

财产 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. 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.

计算你的付款

What Would My 抵押贷款 支付 Be?

抵押计算器

结果

本息 ____美元
房产税* ____美元
房屋保险* ____美元
抵押贷款保险* ____美元

* Estimates based on national averages.

  1. 1 大额按揭详情: 有关大额按揭的利率资料,请联络按揭贷款发起人. State-specific and Title 保险 fees may apply. All loans subject to application and credit approval. Terms and conditions subject to change. Other terms, conditions, and restrictions may apply.
  2. 2 Fixed 利率 effective as of July 17, 2024.请注意,此处显示的利率和年利率(APRs)适用于信用评分为780或更高,贷款价值比(LTV)为75%的借款人,并且基于印第安纳州财产担保的贷款. 根据您的信用评分,实际利率和年利率可能会有所不同, 贷款与估值比率 还有其他因素, and may be higher than those displayed here. 利率, 关闭成本 and points may vary by property location, 贷款类型 and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Example 每月的付款s based on a 购买价格 of $400,000, FICO® score of 780 or greater, 25%首付款, and loan amount of $300,000; 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. 请致电查询其他按揭产品的利率资料.
  3. 3 Adjustable 利率 effective as of July 17, 2024. 请注意,此处显示的利率和年利率(APRs)适用于信用评分为780或更高,贷款价值比(LTV)为75%的借款人,并且基于印第安纳州财产担保的贷款. 根据您的信用评分,实际利率和年利率可能会有所不同, 贷款与估值比率 还有其他因素, and may be higher than those displayed here. 利率, 关闭成本 and points may vary by property location, 贷款类型 and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Example 每月的付款s based on a 购买价格 of $400,000, FICO® score of 780 or greater, 25%首付款, and loan amount of $300,000; 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. 请致电了解ARM产品的价格信息,并注明其他条款.
  4. 4 FHA 抵押贷款 利率 effective as of July 17, 2024. 请注意,此处显示的利率和年利率(apr)适用于信用评分为780或更高和96的借款人.5%的贷款价值比(LTV),并以印第安纳州财产担保的贷款为基础. 根据您的信用评分,实际利率和年利率可能会有所不同, 贷款与估值比率, 还有其他因素, and may be higher than those displayed here. 利率, 关闭成本, and points may vary by property location, 贷款类型, and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. 举例:购买价格为400,000美元,FICO®分数为780或更高,以及3.5% or more down payment, and loan amount of $386,000; FHA mortgage insurance premium is excluded, and 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.
  5. 5 FHA 抵押贷款 利率 effective as of July 17, 2024. 请注意,此处显示的利率和年利率(apr)适用于信用评分为780或更高和96的借款人.5%的贷款价值比(LTV),并以印第安纳州财产担保的贷款为基础. 根据您的信用评分,实际利率和年利率可能会有所不同, 贷款与估值比率 还有其他因素, and may be higher than those displayed here. 利率, 关闭成本 and points may vary by property location, 贷款类型 and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. 例如,每月付款基于财产价值为400,000美元,FICO®评分为780或更高,以及3.5%或以上股本, and loan amount of $386,000; FHA mortgage insurance premium is excluded, and 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.
  6. 6 Nationwide 抵押贷款 Licensing System Registrants: 好的赌博软件推荐 FCU 410639, Shawn Adams 1969445, Charles Akinbola 1811812, 芭芭拉·艾伦609733, Rick Anderson 169934——尼克·贝茨 2030112, 林赛Badanek 724103, 辛西娅·贝尔427359, Nyla Bivens 1128100, 杰米·邦纳435395, Laura Bordenkecher 1590841, 四月布拉顿1169913, 米莎·布鲁克斯, Dawn Michelle Bruce 899516, 朱莉·鲍林443400, 约翰·巴格比581674, Melissa Bullock 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, Mary Ann Deckard 1259646, 阿什利M露539208, Curtis Neal Dodd 200259, 小Ron E Ellis 1207645, 芭芭拉·菲489638, Kara Michelle Fischer 1469113, Tami Renee Forsythe 609730, Lenore Gallagher 975065, Sherry Gaw 988244, 艾米丽·古德1776621, 杨晨灰色 2320767, 罗伯特·古德温975067, Quentin Girten 1919653, 考特尼·古斯1623852, 阿比盖尔·霍尔1469114; 玛丽亚·赫斯特1809685, 拨打假日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, 布鲁克林金2311546, 米歇尔·金1759144, 莎拉·基蒂1512646, 肖恩·基利425511, Brittnie Kreuzman 2433042, Tara Nicole Lambert 883082, 特雷莎·莱德福德444283, Cindy Leisure 1080329, 丽贝卡·利特尔996455, 泰勒朗 2066084, 布雷克卢克 2007589, Kristy Mars 609725, 贝弗利·马歇尔,444941, Elizabeth McGovern 2313054, Alexander J Menestrina 1190426, Beth Moberg 473454, Justin D Montour 1198316, Brooke Moss 1824059, Terri Mossbrucker 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, Micha Noble 1950136, 恩典诺兰 1840818, Regina Norman 1080327, Stacy Oswald 1380912, 克莱顿F帕特森 424532, Shaneka A Pedersen 426201, Meghan Pedigo 1601304, Shari Peek 1623439, 史蒂夫·派略斯610700, 珍妮·佩特里1529353, Kyle Thomas Plumlee 1930758, Noah Pumphrey 2313162, Kim Purkhiser 1313210, Tania查询608383, 丽贝卡·赖斯1007612, Miranda Grace Renee Rizzo 1198315, Janai S Roberts 252636, 蒂姆·萨利1192774, 苏珊·罗伯茨975068, Darlene Rogers 2266067, Carol Biale-Schroeder 1863399, Ryan Sebree 1866273, 罗恩·森西1068152, Jessica Siegman-Bradford 1454706, 布拉德·史密斯906855, 艾米·林恩·斯托克斯1387213, 波莱特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
  7. 7 Based on asset size as of 12/31/2022.