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美国农业部的贷款

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

马上申请 得到预先批准

或打电话 1-800-561-9433

美国农业部的贷款 感兴趣 率  4月  点  每月 付款 贷款期限 (个月)
30年期固定 6.625% 7.108% -0.375 $2,561.24 360

USDA 抵押贷款 利率 effective as of July 2, 2024. Note that the 利率s and annual percentage rates (4月s) 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 利率s and 4月s available to you may vary based on your credit score, 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, 而且点数可能因房产位置而异, 贷款类型, and borrower credit and income characteristics. 所有融资须经信贷审批. Example 每月 支付 based on 购买价格 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, 如果适用的话, 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.

美国农业部的贷款

Making rural homeownership possible for those with lower incomes.

关键特性

  • Fixed-rate mortgage offered to rural property owners by the US Department of Agriculture
  • 无需首付款
  • 应用 15-20分钟后! 

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 合格农村地区. Specifically, your income must not exceed 115% of the media income in your area. 你可以 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.

马上申请

How does a 美国农业部的贷款 compare to other 元素 mortgage options?

The 美国农业部的贷款 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.

  美国农业部的贷款 固定利率抵押贷款 可调利率按揭 FHA贷款
关键好处

无需首付款

可预测的支付

没有利率意外

最低短期利率

首次较低的月供

低首付款

政府支持的

一个不错的选择,如果你

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

可用贷款条款

购买:

30年

购买 & 再融资:

5年,7年,10年,15年,20年,30年

购买 & 再融资:

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

购买 & 再融资:

15年和30年

利率低至

购买:6.30年期固定利率为625%

购买:6.15年期固定贷款750%

再融资:6.15年期固定利率为875%

采购:7.875%为3/6 ARM 30年

再融资:8.3/6 ARM 30年期375%

购买:6.30年期固定利率为625%

再融资:6.30年期固定利率为625%

年利率低至

采购:7.30年期固定利率为108%1

购买:6.15年期固定利率为816%2

再融资:6.941%为15年期固定贷款2

采购:8.3/6 ARM 30年期利率为279%3 

再融资:8.3/6 ARM 30年期贷款为420%3 

采购:7.30年期固定利率为388%4

再融资:7.30年期固定利率为388%5

没有点
无按揭保险(PMI)
首付 $0 低至购买价的5% 低至购买价的10% 低至3.购买价的5%
贷款限制
特殊特性 由美国提供.S. 美国农业部(USDA) 回来ed by the Federal Housing Administration (FHA)

首付真的是0美元吗?

爸爸和女儿在玩小鸡

是的,这是正确的. If you qualify for a 美国农业部的贷款, you do not need to have a down payment. The loan, instead, will be for the full 购买价格.

What fees and 关闭成本 should I expect?

The specific amount of your 关闭成本 will vary. 住房贷款通常涉及许多费用, 比如评估费, 标题的指控, 收的费用, 以及州税或地方税. 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, 购买价格, 房屋价值.

第三方费用

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, 信用报告费, 结算费或结清费, 检验费, 税务服务费, 产权保险费用, 防洪认证费用, 还有快递/邮寄费用. 例如, 鉴定人获得鉴定费, 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. 

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 关闭成本.

银行费用

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. 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.

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. 请致电 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.

得到预先批准

What happens during the mortgage application process?

开始

你可以 在线申请 15-20分钟后! 随时提交申请. 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

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. 

应用程序检查 & 批准 

Once you have supplied your documents, your loan will be reviewed by an underwriter. 

经保险公司审核后, your 元素 抵押贷款 Loan Originator 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.

关闭

Once your loan has been approved, your closing will be scheduled at a location convenient for you. 就是这样,你的 美国农业部贷款完成! Application to closing takes an average of 30 days.

马上申请

Why should I go to 元素 for my mortgage?

像银行一样,只是更好!

个人贷款指引

买房可能会让人有点不知所措. 不过别担心. We’ll be with you every step of the way to guide you through the 美国农业部的贷款 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. 

更好的利率. 更少的费用.

因为我们是信用合作社, 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 专门的抵押贷款发起人6 to guide you through the entire loan process.

尊重当地. 在全球范围内访问.

Headquartered in 印第安纳波利斯 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.

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. We’re here for you with member service available 24/7 and live chat during the w工作day.

开始

我如何申请?

元素在线应用截图

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 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.

马上申请 得到预先批准

我的按揭还款额如何计算?

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, 以及贷款的分期偿还期限. 

房产税

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.

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. 

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.

  1. 1 USDA 抵押贷款 利率 effective as of July 2, 2024. Note that the 利率s and annual percentage rates (4月s) 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 利率s and 4月s available to you may vary based on your credit score, 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, 而且点数可能因房产位置而异, 贷款类型, and borrower credit and income characteristics. 所有融资须经信贷审批. Example 每月 支付 based on 购买价格 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, 如果适用的话, 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7月2日起生效.Note that the 利率s and annual percentage rates (4月s) 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 利率s and 4月s 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. 利率, 关闭成本 而且点数可能因房产位置而异, 贷款类型 and borrower credit and income characteristics. 所有融资须经信贷审批. Example 每月 支付 based on a 购买价格 of $400,000, FICO®分数为780或更高, 25%首付款, 贷款金额为300美元,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. 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 利率 effective as of July 2, 2024. Note that the 利率s and annual percentage rates (4月s) 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 利率s and 4月s 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. 利率, 关闭成本 而且点数可能因房产位置而异, 贷款类型 and borrower credit and income characteristics. 所有融资须经信贷审批. Example 每月 支付 based on a 购买价格 of $400,000, FICO®分数为780或更高, 25%首付款, 贷款金额为300美元,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. 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 抵押贷款 利率 effective as of July 2, 2024. Note that the 利率s and annual percentage rates (4月s) 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 利率s and 4月s available to you may vary based on your credit score, 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, 而且点数可能因房产位置而异, 贷款类型, and borrower credit and income characteristics. 所有融资须经信贷审批. Example 每月 支付 based on a 购买价格 of $400,000, FICO®分数为780或更高, and 3.首付款5%或以上, 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, 如果适用的话, 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 抵押贷款 利率 effective as of July 2, 2024. Note that the 利率s and annual percentage rates (4月s) 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 利率s and 4月s 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. 利率, 关闭成本 而且点数可能因房产位置而异, 贷款类型 and borrower credit and income characteristics. 所有融资须经信贷审批. Example 每月 支付 based on a property value of $400,000, FICO®分数为780或更高, and 3.5%或以上股本, 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, 如果适用的话, 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 抵押贷款 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——尼克·贝茨 2030112, 林赛Badanek 724103, 辛西娅·贝尔427359, Nyla Bivens 1128100, 杰米·邦纳435395, 劳拉·波登克彻1590841, 四月布拉顿1169913, 米莎·布鲁克斯, 道恩·米歇尔·布鲁斯899516, 朱莉·鲍林443400, 约翰·巴格比581674, 梅丽莎·布洛克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, 玛丽·安·迪卡德1259646, 阿什利M露539208, 柯蒂斯·尼尔·多德,200259, 小Ron E Ellis 1207645, 芭芭拉·菲489638, 卡拉米歇尔费舍尔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,昆汀·格顿 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, 特里萨·伊里亚1128103,克里斯·琼斯 1484986, 凯西·琼斯1942020, 克里斯托弗·科尔143199, Andee Kettlebar 443776, 吉尔·基德威尔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, 塔拉·妮可·兰伯特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, 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, 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,米夏·诺布尔 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, 米兰达·格蕾丝·蕾妮·里佐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, 杰西卡·西格曼-布拉德福德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 基于截至2022年12月31日的资产规模.