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 土地贷款 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.
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. 你的元素 Mortgage Loan Originator will review all costs with you based on your specific loan amount, purchase price, and home value.
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, 检验费, tax service fees, title insurance fees, 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 title insurance fees.
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.
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. 元素 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.
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. 请致电 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 to apply by phone. When you apply, 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.
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.
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 w工作 together to obtain any further documentation that is needed to close your loan, 包括估价和职称工作.
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.
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.
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.
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 一个专门的 抵押贷款 Loan Originator1 指导您完成整个贷款流程.
Headquartered in 印第安纳波利斯 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.
我们的技术使使用元素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 w工作day.
Your monthly mortgage payment is made up of four components: principal, 感兴趣, property taxes, 和房主保险(简称“PITI”).
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.
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.
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. 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.
