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USDA Loan

Get a rural or suburban home loan with $0 down.

Apply Now Get Preapproved

Or call 1-800-561-9433

USDA Loan Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30-Year Fixed 6.625% 7.108% -0.500 $2,561.24 360

USDA Mortgage Rates effective as of June 11, 2024. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 100% 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, 而且点数可能因房产位置而异, loan type, and borrower credit and income characteristics. 所有融资须经信贷审批. Example Monthly Payments based on purchase price and base loan amount of $400,000, FICO®分数为780或更高, and 0% or more down payment; USDA guarantee fee is excluded, and they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. 房价如有变动,恕不另行通知. 可能会有一些限制.

USDA Loan

Making rural homeownership possible for those with lower incomes.

KEY FEATURES

  • Fixed-rate mortgage offered to rural property owners by the US Department of Agriculture
  • No down payment
  • Apply in 15-20 minutes! 

可能是个不错的选择吧

  • You are purchasing a property in a rural area (as defined by the USDA)
  • You meet income restrictions for your county—call us to learn more

请致电1-800-561-9433

那么,美国农业部贷款到底是什么?

老夫妇在厨房里

A USDA home loan is a zero down payment mortgage for eligible rural and suburban homebuyers. USDA loans are issued through the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program, by the United States Department of Agriculture. 美国农业部贷款没有最高限额. Instead, it is set based on your ability to qualify for the loan.

有资格获得美国农业部贷款,你必须 符合一定的入息要求 然后在一个 qualified rural area. Specifically, your income must not exceed 115% of the media income in your area. You can find your state by following the link in the previous sentence. Other factors that will go into your eligibility are your credit score and your debt-to-income ratio.

Apply Now

How does a USDA Loan compare to other Elements mortgage options?

The USDA Loan is available only for purchasing homes in rural areas for those under a certain income level. 请查看图表中的其他差异.

  USDA Loan Fixed-Rate Mortgage 可调利率按揭 FHA Loan
Key Benefits

No down payment

Predictable payments

没有利率意外

最低短期利率

首次较低的月供

Low down payment

Government-backed

A Good Option If You

是否在农村地区购买房产

满足你所在国家的收入限制

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

Do not have a substantial down payment saved

Have less than perfect credit or limited credit history

Available Loan Terms

Purchase:

30 years

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.

Purchase & Refinance:

15 and 30 years

利率低至

Purchase: 6.625% for 30-Year Fixed

Purchase: 6.875% for 15-Year Fixed

Refinance: 7.250% for 15-Year Fixed

Purchase: 8.3/6的ARM 30年期债券

Refinance: 8.3/6 ARM 30年500%

Purchase: 6.500% for 30-Year Fixed

Refinance: 6.625% for 30-Year Fixed

APR As Low As

Purchase: 7.108% for 30-Year Fixed1

Purchase: 6.941% for 15-Year Fixed2

Refinance: 7.317% for 15-Year Fixed2

Purchase: 8.3/6 ARM 30年期为314%3 

Refinance: 8.3/6 ARM 30年期455%3 

Purchase: 7.262% for 30-Year Fixed4

Refinance: 7.388% for 30-Year Fixed5

No Points
无按揭保险(PMI)
Down Payment $0 低至购买价的5% 低至购买价的10% As low as 3.5% of purchase price
Loan Limits
Special Feature Offered by the U.S. 美国农业部(USDA) Backed by the Federal Housing Administration (FHA)

首付真的是0美元吗?

爸爸和女儿在玩小鸡

Yes, that is correct. If you qualify for a USDA Loan, you do not need to have a down payment. The loan, instead, will be for the full purchase price.

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, the credit report fee, 结算费或结清费, the survey fee, tax service fees, title insurance fees, 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 the credit report fee, and a title company or an attorney is paid the title insurance fees. 

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, 文档准备费用, 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.

我应该提前获得批准吗?

家人和狗在厨房打闹

是的,它可以帮助你买房子. Call us at 1-800-561-9433 to see if you can be pre-approved for a loan so that you know what price range you can afford, 评估贷款的每月成本, 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 mortgage 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. 

Application Review & 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 USDA Loan is complete! Application to closing takes an average of 30 days.

Apply Now

Why should I go to Elements for my mortgage?

像银行一样,只是更好!

Personal Loan Guidance

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 USDA 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, higher savings rates, and lower loan rates.

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 专门的抵押贷款发起人6 to guide you through the entire loan process.

Respected Locally. Accessed Globally.

Headquartered in Indianapolis since 1930, we rank among the top 3% of credit unions nationally7. 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?

元素在线应用截图

3 Easy Steps to Apply

  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. 〇安排收盘时间 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"). 

Principal and Interest

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.

  1. 1 USDA Mortgage Rates effective as of June 11, 2024. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 100% 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, 而且点数可能因房产位置而异, loan type, and borrower credit and income characteristics. 所有融资须经信贷审批. Example Monthly Payments based on purchase price and base loan amount of $400,000, FICO®分数为780或更高, and 0% or more down payment; USDA guarantee fee is excluded, and they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. 房价如有变动,恕不另行通知. 可能会有一些限制.
  2. 2 固定费率自2024年6月11日起生效.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 而且点数可能因房产位置而异, loan type and borrower credit and income characteristics. 所有融资须经信贷审批. 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. 房价如有变动,恕不另行通知. 可能会有一些限制. Please call for rate information about mortgage products with terms other than those listed.
  3. 3 Adjustable Rates effective as of June 11, 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 而且点数可能因房产位置而异, loan type and borrower credit and income characteristics. 所有融资须经信贷审批. 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. 房价如有变动,恕不另行通知. 可能会有一些限制. Please call for rate information about ARM products with terms other than those listed.
  4. 4 FHA Mortgage Rates effective as of June 11, 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, 而且点数可能因房产位置而异, loan type, and borrower credit and income characteristics. 所有融资须经信贷审批. Example Monthly Payments based on a purchase price of $400,000, FICO®分数为780或更高, and 3.5% or more down payment, 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. 房价如有变动,恕不另行通知. 可能会有一些限制.
  5. 5 FHA Mortgage Rates effective as of June 11, 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 而且点数可能因房产位置而异, loan type and borrower credit and income characteristics. 所有融资须经信贷审批. 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. 房价如有变动,恕不另行通知. 可能会有一些限制.
  6. 6 Nationwide Mortgage Licensing System Registrants: 元素金融FCU 410639,肖恩·亚当斯 1969445, 查尔斯·阿金波拉1811812 芭芭拉·艾伦609733,里克·安德森 169934, Nick Bates 2030112, Lindsey Badanek 724103, Cynthia Bell 427359, Nyla Bivens 1128100, Jamie Bonner 435395, 劳拉·波登克彻1590841, April Bratton 1169913, Miesha Brooks 1916521, 道恩·米歇尔·布鲁斯899516, Julie Bowering 443400, John Bugbee 581674, 梅丽莎·布洛克2122657, Tracee Buckrop 609727, Karla Chevrie 404630, Eliza Claborn 1826115, Christine Clark 609734, Shane Clark 2253719, Brooklynn Coop 2416469, Kaylee Cooper-Sweeting 2552218, 玛丽·安·迪卡德1259646, Ashlie M Dew 539208, 柯蒂斯·尼尔·多德,200259, Ron E Ellis Jr 1207645, Barbara Fey 489638, 卡拉米歇尔费舍尔1469113, Tami Renee Forsythe 609730, Lenore Gallagher 975065, Sherry Gaw 988244, Emilee Goode 1776621, Jody Gray 2320767, 罗伯特·古德温975067,昆汀·格顿 1919653,考特尼·古斯1623852; Abigail Hall 1469114, 玛丽亚·赫斯特1809685, Dial Holliday 1436039, Jennifer Hooker 1807696, 特里萨·伊里亚1128103,克里斯·琼斯 1484986, Kasey Jones 1942020, 克里斯托弗·科尔143199, Andee Kettlebar 443776, Jill Kidwell 609731, 布鲁克林金2311546, Michele King 1759144, Sara Keedy 1512646, Sean Kiely 425511, Brittnie Kreuzman 2433042, 塔拉·妮可·兰伯特883082, Teresa Ledford 444283, Cindy Leisure 1080329, Rebecca Littell 996455, Tyler Lonergan 2066084, Blake Luker 2007589, Kristy Mars 609725, 贝弗利·马歇尔,444941, Elizabeth McGovern 2313054, 亚历山大·梅涅斯特里纳1190426, Beth Moberg 473454, 贾斯汀·D·蒙图尔1198316,布鲁克·莫斯 1824059, 特丽·莫斯布鲁克1385461, Kristina Mowery 916118, Amber D Murphy 1082684, Mallory Neill 1750269, 康斯坦斯·尼尔森975071,米夏·诺布尔 1950136, Grace Nolan 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, 米兰达·格蕾丝·蕾妮·里佐1198315, Janai S Roberts 252636, Tim Sallee 1192774, Susan Roberts 975068, Darlene Rogers 2266067, Carol Biale-Schroeder 1863399, Ryan Sebree 1866273, Ron Senci 1068152, 杰西卡·西格曼-布拉德福德1454706, Brad Smith 906855, 艾米·林恩·斯托克斯1387213, Paulette Stull 1487007, Ann Sukup 2511201, Brent Tedford 1892880, 布拉德利·汤普森609732, Rhonda Weaver 2213627, Samantha White 1849420
  7. 7 基于截至2022年12月31日的资产规模.