Call 1- for Jumbo Mortgage rates.
Please contact a Mortgage Loan Originator for rate information regarding Jumbo Mortgages. 各州特定的保险和所有权保险费用可能适用. 所有贷款须经申请及信贷审批. Terms and conditions subject to change. 可适用其他条款、条件及限制.
The Federal Housing Financing Agency (FHFA) sets a maximum amount for standard mortgage loans. In most counties, that max is $510,400. So if you need a mortgage higher than that amount, you will likely need to apply for a jumbo loan. Jumbo loans are also called non-conforming conventional mortgages because they can’t be guaranteed by Fannie and Freddie. 因为贷方不能免于损失, 它们对借款人的要求要严格得多.
The main difference between a jumbo mortgage and others is the amount that is loaned. They are available as both fixed or adjustable rate loans, but the qualifying criteria are stricter. The lender will require a high credit score and will also consider your debt-to-income ratio and cash reserves.
| Jumbo Mortgage | Fixed-Rate Mortgage | Adjustable Rate Mortgage | Refinance Your Mortgage | |
|---|---|---|---|---|
| Apply Now | Apply Now | Apply Now | Apply Now | |
| Key Benefits |
Loan for higher-priced properties1 No mortgage insurance |
Predictable payments No interest-rate surprises |
Lowest short-term rates Initial lower monthly payments |
Better rate or loan term |
| A Good Option If You |
希望避免两次或更多的贷款购房高达200万美元 Have established credit history |
希望你的利率和付款在贷款期间保持不变 计划在家里住几年 |
是否愿意先固定利率和付款，然后再进行调整 Don't plan to stay in the home long |
想要减少你的月供或缩短你的贷款期限 |
| Available Loan Terms |
Fixed and adjustable rate options |
Purchase & Refinance: 5, 7, 10, 15, 20, and 30 years |
Purchase & Refinance: 3/6, 5/6, 7/6 ARM 5/5 30-years 5/5 15-years |
15, 20, and 30 year fixed 5/5 ARM and more! |
| Interest Rate As Low As | Contact Us for Options |
Purchase:2.500% Refinance: 2.500% |
Purchase: 2.375% Refinance: 2.375% |
Fixed-Rate: 2.500% Adjustable Rate: 2.375% |
| APR As Low As | Contact Us for Options |
Purchase: 2.644%2 Refinance: 2.644% |
Purchase: 2.865%3 Refinance: 2.865% |
Fixed-Rate: 2.644% Adjustable Rate: 2.865% |
| No Points | ||||
| No Mortgage Insurance (PMI) | — | — | — | |
| Down Payment | Varies based on loan terms chosen | As low as 20% of purchase price | As low as 10% of purchase price | As low as 10% of purchase price |
| Loan Limits |
Up to $2 million |
— | — | — |
| Special Feature | — | — | — | — |
| Apply Now | Apply Now | Apply Now | Apply Now |
You can refinance your current mortgage(s) into a Jumbo Mortgage in any amount up to $2 million. 贷款利率根据你选择的贷款条件而变化，所以 1- to get the current Jumbo Mortgage rates.
你的关闭成本的具体金额会有所不同. A home loan often involves many fees, such as the appraisal fee, title charges, closing fees, and state or local taxes. 这些费用因州而异，也因贷方而异. 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 are ones that we collect and pass on to the person who actually performed the service. These can include the appraisal fee, the credit report fee, the settlement or closing fee, the survey fee, tax service fees, title insurance fees, flood certification fees, and courier/mailing fees. For example, an appraiser is paid the appraisal fee, 信用局支付信用报告费用, 产权公司或律师需要支付产权保险费用.
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 closing costs.
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. Elements对所有抵押贷款收取标准的900美元发起费.
Call us at 1- 看看你是否能得到贷款的预先批准. The preapproval will also give you some leverage when negotiating with the sellers.
You can apply online in 15-20 minutes! Submit your application anytime. Or call us at 1- to apply by phone. When you apply, 准备好你的身份证(驾照)了吗, state ID, 或者护照)和你的家庭收入估计, assets, 房屋价值和你为你的房子支付的价格.
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. After the underwriter review, your Elements Mortgage Loan Originator and Loan Processor will work together to obtain any further documentation that is needed to close your loan, including the appraisal and title work.
一旦你的贷款得到最终批准, 你的结案将安排在一个你方便的地点. That's it — your mortgage is complete! 申请到结案平均花费为 30 days.
Buying a home can be a bit overwhelming. But don’t worry. We’ll be with you every step of the way to guide you through the mortgage process, 从预先批准一直到交易结束. 你会有你的个人抵押贷款专家的手机号码, 所以你可以很快得到所有问题的答案.
Because we’re a credit union, 我们以降低费用的形式将利润返还给会员, 更高的储蓄利率和更低的贷款利率.
我们为自己是一个值得信赖的金融教育来源而自豪. 我们来到你的工作场所是为了回答你的问题，并能为你提供 a dedicated Mortgage Loan Originator4 指导您通过整个抵押程序.
Headquartered in Indianapolis since 1930, we rank among the top 3% of credit unions nationally5. 我们服务于50个州和50多个国家的会员. 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Elements进行银行操作变得容易. 从快速的数字应用到在线应用 还有手机银行，无论你走到哪里，我们都会在你身边. We’re here for you with member service available 24/7 and live chat during the workday.
你每月的按揭付款由四个部分组成:本金, interest, property taxes, 和房主保险(简称“PITI”).
本息以贷款金额为基础, interest rate, and term (amortization) of your loan.
Property 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.
房屋所有者保险也每年支付. 你的年保费也要除以12个月.
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.
