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为按揭贷款再融资

A lower interest could get you a lower monthly payment.

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Or call 1-800-561-9433

Fixed-Rate Options Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30-Year Fixed 7.125% 7.166% 0.000 $2,021.16 360
20-Year Fixed 7.125% 7.179% -0.250 $2,348.46 240
15-Year Fixed 7.250% 7.317% -0.125 $2,738.59 180
10-Year Fixed 7.375% 7.469% -0.125 $3,541.51 120
7-Year Fixed 7.625% 7.754% 0.000 $4,620.01 84
5-Year Fixed 7.625% 7.800% 0.000 $6,029.22 60

Fixed Rates effective as of June 11, 2024.Note that the interest rates and annual percentage rates (APRs) 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 interest rates and APRs 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. Rates, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Example Monthly Payments based on a purchase price of $400,000, FICO®分数为780或更高, 25% down payment, 贷款金额为300美元,000; they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. Rates are subject to change without notice. 可能会有一些限制. Please call for rate information about mortgage products with terms other than those listed.

可调速率选项 Interest Rate  APR  Points  Initial Monthly Payment Maximum Monthly Payment
5/5 ARM 30 Year 8.500% 7.448% 0.000
Months 1-60
$2,306.74
Months 61-360
$2,494.00
7/6 ARM 30 Year 8.875% 8.700% 0.000
Months 1-84
$2,386.93
Months 85-360
$2,611.00
5/6 ARM 30 Year 8.875% 8.638% 0.000
Months 1-60
$2,386.93
Months 61-360
$2,631.00
3/6 ARM 30 Year 8.500% 8.455% 0.000
Months 1-36
$2,306.74
Months 37-360
$2,594.00

Adjustable Rates effective as of June 11, 2024. Note that the interest rates and annual percentage rates (APRs) 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 interest rates and APRs 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. Rates, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Example Monthly Payments based on a purchase price of $400,000, FICO®分数为780或更高, 25% down payment, 贷款金额为300美元,000; they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. Rates are subject to change without notice. 可能会有一些限制. Please call for rate information about ARM products with terms other than those listed.

上面列出的5/5 ARM产品 is a 30-year loan where the initial interest rate is fixed for the first 5 years (60 payments). 在最初的五年之后, 这是可能的利率, APR, and payment may increase substantially over the remaining term of the loan. 在最初的五年之后, your interest rate can increase or decrease every 5 years up to the 15th year at which the interest rate can increase or decrease annually based on the average yield of the 5-year treasury, plus our margin (2.25%)四舍五入到最接近的0.125%. Any change may significantly impact your monthly payment. The index in the future is unknown so the Estimated Monthly Payment for payments 61-360 is based on the current index plus the margin (fully indexed rate).

上面列出的7/6 ARM产品 is a 30-year loan where the initial interest rate is fixed for the first 7 years (84 payments). 在最初的七年之后, 这是可能的利率, APR, and payment may increase substantially over the remaining term of the loan. 在最初的七年之后, your interest rate can increase or decrease every six months based on the average of interbank offered rates for one-year U.S. dollar-denominated deposits in the 30 Day SOFR yield plus our margin (3.00%)四舍五入到最接近的0.125%. Any change may significantly impact your monthly payment. The index in the future is unknown so the Estimated Monthly Payment for payments 85-360 is based on the current index plus the margin (fully indexed rate).

上面列出的5/6 ARM产品 is a 30-year loan where the initial interest rate is fixed for the first 5 years (60 payments). 在最初的五年之后, 这是可能的利率, APR, and payment may increase substantially over the remaining term of the loan. 在最初的五年之后, your interest rate can increase or decrease every six months based on the average of interbank offered rates for one-year U.S. dollar-denominated deposits in the 30 Day SOFR yield plus our margin (3.00%)四舍五入到最接近的0.125%. Any change may significantly impact your monthly payment. The index in the future is unknown so the Estimated Monthly Payment for payments 61-360 is based on the current index plus the margin (fully indexed rate).

上面列出的3/6 ARM产品 is a 30-year loan where the initial interest rate is fixed for the first 3 years (36 payments). 在最初的三年之后, 这是可能的利率, APR, and payment may increase substantially over the remaining term of the loan. 在最初的三年之后, your interest rate can increase or decrease every six months based on the average of interbank offered rates for one-year U.S. dollar-denominated deposits in the 30 Day SOFR yield plus our margin (3.00%)四舍五入到最接近的0.125%. Any change may significantly impact your monthly payment. The index in the future is unknown so the Estimated Monthly Payment for payments 37-360 is based on the current index plus the margin (fully indexed rate).

为按揭贷款再融资

Free up some cash or shorten the life of your mortgage.

KEY FEATURES

  • Pay off your existing mortgage and replace it with a new one, usually to secure a better interest rate or term
  • Refinance to a better rate to reduce your monthly mortgage payment
  • Refinance to a new shorter-term loan to build equity faster
  • Tap into your home’s equity and receive a one-time cash payment during refinancing
  • Refinance to fixed-rate or adjustable-rate mortgage or an FHA or VA loan
  • Down payment as low as 10% of purchase price
  • Apply in 15-20 minutes!

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可能是个不错的选择吧

  • You want to free up some money in your budget by reducing your monthly mortgage payment
  • You want to shorten the term of your mortgage
  • You want a one-time cash payment during refinancing
  • Trade-off: The lowest rates usually carry some fees and closing costs

How do I know if refinancing my mortgage makes sense?

Woman doing some woodworking in her living room

Why Refinance?

It’s possible that you could lower your interest rate or reduce the amount of time left to pay off your loan. Refinancing can also be a helpful tool for home improvement or debt consolidation because you can get a one-time cash payment during the refinancing process. 

再融资的常见原因:

  • Switch from an adjustable rate to a fixed-rate mortgage
  • Change from one type of adjustable rate loan to another to lower your monthly payment
  • Reduce your interest rate and your monthly payment
  • Build equity faster by shortening the term of your loan to 15 or 20 years

To determine if refinancing makes sense to you, compare your current mortgage rate and term to the rates and terms listed at the top of this page. It’s also important to determine how much the closing fees and other associated costs, 比如房屋估价, will be to make sure you will actually come out ahead in the long run.

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What happens during the mortgage refinancing process?

妈妈和两个女儿在用笔记本电脑

Getting Started

You can apply online in 15-20 minutes! 随时提交申请. Or call us at 1-800-561-9433 to apply by phone. When you apply, have ready your government-issued ID (driver’s license, state ID, or passport) and estimates of your household income, assets, 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. 

Application Review & Approval 

Once you have supplied your documents, your loan will be reviewed by an underwriter. 经保险公司审核后, your Elements Mortgage Loan Originator 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 received final approval, your closing will be scheduled at a location convenient for you. That's it — your mortgage is complete! Application to closing takes an average of 30 days

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What fees and closing costs should I expect?

The specific amount of your closing costs will vary. 住房贷款通常涉及许多费用, 比如评估费, title charges, closing fees, 以及州税或地方税. 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, 信用报告费, 结算费或结清费, the survey fee, tax service fees, title insurance fees, 防洪认证费用, 还有快递/邮寄费用. For example, 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 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, 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. 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.

Why should I choose Elements to refinance my mortgage?

像银行一样,只是更好!

个人按揭指引

Determining if or when is the best time to refinance can be overwhelming. But don’t worry. We’ll be with you every step of the way to guide you through the refinancing process. You’ll have your personal mortgage expert’s cell phone number, so you can get all your questions answered very quickly. 

Better Rates. Fewer Fees.

因为我们是信用合作社, we return profits to members in the form of reduced fees, 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 专门的抵押贷款发起人1 to guide you through the entire mortgage process.

Respected Locally. Accessed Globally.

Headquartered in Indianapolis since 1930, we rank among the top 3% of credit unions nationally2. 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.

High Tech. Human Touch.

Our technology makes banking with Elements 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 workday.

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How do I apply?

Screenshot of Elements online application

3 Easy Steps to Apply

  1. Apply online - Do this online whenever you have 15-20 minutes to spare. Or call 1-800-561-9433 to get started.
  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. 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.

Apply Now

Being able to lower that mortgage rate freed up funds to do other things, like fix the place up.

- James C. | Member since 2016
  1. 1 Nationwide Mortgage Licensing System Registrants: Elements Financial FCU 410639, Shawn Adams 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, 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, John Bugbee 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, Ashlie M Dew 539208, 柯蒂斯·尼尔·多德,200259, 小Ron E Ellis 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, Quentin Girten 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, Kasey Jones 1942020, 克里斯托弗·科尔143199, Andee Kettlebar 443776, Jill Kidwell 609731, 布鲁克林金2311546, Michele King 1759144, Sara Keedy 1512646, Sean Kiely 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, Tyler Lonergan 2066084, Blake Luker 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, 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, 珍妮·佩特里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, 艾米·林恩·斯托克斯1387213, 波莱特Stull 1487007, Ann 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
  2. 2 基于截至2022年12月31日的资产规模.