As with many loans, the name says it all. 这笔贷款为你计划建造主要住所的土地提供资金. An 元素 土地贷款 can be used for unimproved land, 这意味着它可能已经有了公用设施和便利设施，但可能还没有电表或天然气表之类的东西.
与其他可以持续数年的贷款不同，土地贷款的最长期限为一年. 所以即使你没有在这段时间内建造你的房子, you will have already paid off the loan for the land.
When you’re ready to build your home, you can consider the Single-Close Construction Loan.
The specific amount of your closing costs 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. 这些费用因州而异，也因贷款人而异. 你的元素 M贷款发起人将根据您的具体贷款金额与您一起审查所有费用, purchase price, and home value.
第三方费用是指我们收取并转交给实际提供服务的人的费用. 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. 例如, an appraiser is paid the appraisal fee, a credit bureau is paid the credit report fee, 产权公司或律师会支付产权保险费.
这些费用包括州/地方税收和记录费用，无论你选择哪个贷款机构，很可能都要支付. 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, don't assume you won't have to pay it. 一个没有告诉你费用的贷款人可能没有做必要的研究来提供准确的成交成本.
Lender fees such as points, document-preparation fees, 贷款处理费由贷款人保留，用于为你提供尽可能低的利率. 在做出决定之前，你应该非常仔细地比较不同贷款人的费用类别. 元素对所有抵押贷款收取995美元的标准起始费.
For more information, call us at 1-800-561-9433.
It is a good idea to get preapproved for a 土地贷款, 特别是因为房产上没有房子可以做抵押. 请致电 1-800-561-9433 看看你能不能提前申请到贷款，这样你就知道你能承受的价格范围了, to evaluate the monthly costs of a loan, and to see how much of a loan you can afford.
请致电 1-800-561-9433 to apply by phone. When you apply, 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.
我们将在您提交申请后的一个工作日内与您联系，以审查我们需要您提供的文件. We’ll also answer any questions you may have.
一旦你提供了你的文件，你的贷款将被保险人审查. After the underwriter review, your 元素 抵押贷款 Loan Originator 和贷款处理员将一起工作，以获得任何进一步的文件，需要关闭你的贷款, including the appraisal and title w工作.
一旦你的贷款被批准，你的关闭将安排在一个方便你的地方. That's it — your mortgage is complete! Application to closing takes an average of 30 days.
Buying land can be a bit overwhelming, but don’t worry. 我们将全程陪伴您，指导您完成贷款申请流程, from pre-approval all the way to closing.
Because we’re a credit union, we return profits to members in the form of reduced fees, higher savings rates, and lower loan rates.
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 一个专门的 抵押贷款 Loan Originator1 to guide you through the entire loan process.
自1930年以来，我们的总部设在印第安纳波利斯，在全国信用合作社中排名前3%2. We serve members in all 50 states and 50+ countries. 您可以使用全国5000多家共享分行和全球78000多台免费atm机.
Our technology makes banking with 元素 easy. 从快速的数字应用程序到在线和移动银行，无论您走到哪里，我们都会在您身边. 我们在这里为您提供全天候会员服务，并在工作日进行实时聊天.
你每月的按揭还款由四个部分组成:本金, 感兴趣, property taxes, and homeowner’s insurance (referred to as "PITI").
Principal and 感兴趣 are based on the loan amount, 利率, and term (amortization) of your loan.
Property taxes are assessed annually. 你的税额要除以12个月，以确定每月从你那里收取多少税款.
首页owner’s 保险 is also paid annually. 你的年保费金额也要除以12个月.
私人抵押贷款保险(PMI)也可以是你每月抵押贷款支付的一部分. 这是贷款人获得的保险，以保护他们免受任何损失，如果你停止偿还贷款. 如果你在购买时不支付至少20%的首付，或者在再融资时拥有20%或更多的房产权益，那么传统贷款通常需要PMI.
