为按揭贷款再融资

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:

• 从可调利率转为固定利率抵押贷款
• Change from one type of adjustable rate loan to another to lower your monthly payment
• 降低你的利率和月供
• 将贷款期限缩短到15年或20年，可以更快地积累资产

确定再融资对你来说是否有意义, 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, 是为了确保从长远来看，你真的会走在前面.

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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, 你的身份证(驾驶执照)准备好了吗, state ID, 或护照)和你的家庭收入估计, assets, 房屋价值和你为房屋支付的价格. 

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. 我们也会回答你的任何问题. 

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

一旦您的贷款获得最终批准, 您的结业将安排在您方便的地点. That's it — your mortgage is complete! 申请到结案平均需要 30 days. 

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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, 比如评估费, title charges, closing fees, 以及州税或地方税. 这些费用因州而异，也因贷款人而异. 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

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, 鉴定人获得鉴定费, 信用报告费用由信用局支付, 产权公司或律师会支付产权保险费. 

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. 如果一些贷款人不给你报价，其中包括税收和其他不可避免的费用, 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对所有抵押贷款收取995美元的标准起始费.

欲了解更多信息，请致电我们 1-800-561-9433.

像银行一样，只是更好!

个人按揭指引

确定是否或何时是再融资的最佳时机可能会让人不知所措. But don’t worry. We’ll be with you every step of the way to guide you through the refinancing process. 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你所有问题的答案. 

Better Rates. Fewer Fees.

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.

Trusted Advice. Fresh Approach.

我们以成为值得信赖的金融教育机构而自豪. 我们来您的工作场所回答问题，并可以为您提供 专门的抵押贷款发起人¹ 指导你完成整个抵押贷款流程.

Respected Locally. Accessed Globally.

Headquartered in Indianapolis 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.

High Tech. Human Touch.

我们的技术使使用Elements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 workday.

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3 Easy Steps to Apply

1. Apply online - 只要你有15-20分钟的空闲时间，就在网上做这件事. 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 我们将在整个抵押贷款过程中与您保持联系. Then, if you're approved, we'll schedule your closing at a location convenient for you.

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