美国农业部的贷款

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. There is no maximum amount for a 美国农业部的贷款. Instead, it is set based on your ability to qualify for the loan.

To be eligible for a 美国农业部的贷款, you must meet certain income requirements and be purchasing a home in a 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

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. See other differences in the chart.

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.

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. 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. 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

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, don't assume you won't have to pay it. 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

Lender fees such as points, 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.

For more information, call us at 1-800-561-9433.

Yes, it helps you as you shop for a home. 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, to evaluate the monthly costs of a loan, 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

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.

Gathering Documentation

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. 

After the underwriter review, your 元素 抵押贷款 Originator and Loan Processor will w工作 together to obtain any further documentation that is needed to close your loan, including the appraisal and title w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

Like a Bank, Only Better!

个人贷款指引

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 美国农业部的贷款 process, from preapproval 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 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

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. Schedule your closing - 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

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"). 

Principal and 感兴趣

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. 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.