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Land Loan

当你找到最适合建造的地方.

请致电1-800-561-9433申请

Land Loan

为你梦想中的家融资的方式.

KEY FEATURES

  • A loan for financing unimproved land on which you will build your primary residence
  • Finance up to 80% of the lot value (20% down payment required) up to $250,000 maximum
  • 1-year maximum loan term

MAY BE A GOOD CHOICE IF

  • 你想把你的土地和房屋贷款分开
  • 你为未来的家买了很多东西

请致电1-800-561-9433

那么,到底什么是土地贷款呢?

Older couple looking at their family in the place the new home will be built

与许多贷款一样,这个名字说明了一切. This loan finances the land on which you plan to build your primary residence. 要素土地贷款可用于未改良的土地, which means it might already have utilities and amenities but likely doesn’t yet have things like an electric meter or natural gas meter.

Unlike other types of loans that can last several years, a Land Loan has a maximum term of one year. So even if you do not have your home built within that time frame, 你已经还清了土地贷款.

当你准备好建造你的房子时,你可以考虑 单笔建设贷款.

请致电1-800-561-9433申请

我应该期待什么费用和成交费用?

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, 比如评估费, title charges, closing fees, and state or local taxes. 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, flood certification fees, and courier/mailing fees. For example, 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 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, document-preparation fees, 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.

Should I get preapproved?

一对夫妇和他们的孩子看着他们正在建造的房子

事先获得土地贷款的批准是个好主意, especially since there is no house on the property to use for collateral. Call us at 1-800-561-9433 to see if you can be preapproved for a loan so that you know what price range you can afford, 评估贷款的每月成本, 看看你能负担多少贷款.

请致电1-800-561-9433获得预先批准

在抵押贷款申请过程中会发生什么?

Getting Started

Call us at 1-800-561-9433 to apply by phone. When you apply, 你的身份证(驾驶执照)准备好了吗, state ID, 或护照)和你的家庭收入估计, assets, 房屋价值和你为房屋支付的价格.

Gathering Documentation

We’ll contact you within one business day after you submit your application to review documentation that we'll need from you. 我们也会回答你的任何问题. 

Application Review & Approval 

Once you have supplied your documents, your loan will be reviewed by an underwriter. 在保险公司审核后,你的 要素抵押贷款发起人 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 mortgage is complete! 申请到结案平均需要30天.

请拨打1-800-561-9433开始

我为什么要去Elements申请抵押贷款?

Like a Bank, Only Better!

Personal Loan Guidance

买地可能有点难,但别担心. We’ll be with you every step of the way to guide you through the loan-application process, 从预审到结案. 

Better Rates. Fewer Fees.

因为我们是信用合作社, 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.

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 a dedicated Mortgage Loan Originator1 指导您完成整个贷款流程.

Respected Locally. Accessed Globally.

Headquartered in Indianapolis since 1930, we rank among the top 3% of credit unions nationally2. 我们为所有50个州和50多个国家的会员提供服务. You’ll have access to 5,000+ shared branches nationwide and 78,000+ surcharge-free ATMs globally.

High Tech. Human Touch.

我们的技术使使用Elements进行银行业务变得简单. 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.

请拨打1-800-561-9433开始

How do I apply?

一对夫妇,女儿和狗在新家的花园里

3 Easy Steps to Apply

  1. Call 1-800-561-9433 to apply - 当你有15-20分钟的空闲时间给我们打电话.
  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. Schedule your closing - 我们将在整个贷款过程中与您保持联系. Then, if you're approved, we'll schedule your closing at a location convenient for you.

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, 和房主保险(简称“PITI”). 

Principal and Interest

本金和利息按贷款金额计算, 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

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 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 全国抵押贷款许可制度注册人: 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, 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, 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, Mariah Hestand 1809685, 拨打Holliday 1436039, Jennifer Hooker 1807696, 特里萨·伊里亚1128103,克里斯·琼斯 1484986, Kasey Jones 1942020, Christopher Kerr 143199, Andee Kettlebar 443776, Jill Kidwell 609731, Brooklynn King 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, 克里斯蒂·马尔斯609725,贝弗利·马歇尔444941,伊丽莎白·麦戈文 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, Amy Lynn Stokes 1387213, Paulette Stull 1487007, Ann Sukup 2511201, Brent Tedford 1892880, Bradley Thompson 609732, Rhonda Weaver 2213627, Samantha White 1849420
  2. 2 基于截至2022年12月31日的资产规模.