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Mortgages

为合适的家庭找到合适的贷款. 比较我们流行的抵押贷款.

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Fixed-Rate Mortgage

Overview

  • 利率和付款在贷款期间保持不变
  • 有5年、7年、10年、15年、20年和30年可供选择
  • 首付款低至购买价的5% — including First Time Homebuyers

A Good Option If:

  • 你想要可预测的每月付款不会改变
  • 你打算在你的房子里住几年
  • Trade-off: Interest rate is generally higher than an adjustable-rate mortgage
Fixed-Rate Mortgage Interest Rate  APR  Points  Monthly Payment Loan Term (Months)

Purchase Rates

30-Year Fixed 6.875% 6.916% 0.000 $1,970.79 360
20-Year Fixed 6.500% 6.552% 0.000 $2,236.72 240
15-Year Fixed 6.750% 6.816% 0.000 $2,654.73 180
See All Rates

Refinance Rates

30-Year Fixed 7.125% 7.166% -0.250 $2,021.16 360
20-Year Fixed 7.000% 7.053% -0.125 $2,325.90 240
15-Year Fixed 6.875% 6.941% -0.125 $2,675.56 180
See All Rates

固定费率自2024年5月13日起生效.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 ratio and other factors, 而且可能比这里展示的要高. Rates, 成交费用和点可能因物业位置而异, 贷款类型和借款人信用及收入特点. 所有融资须经信贷审批. 基于购买价格$400的月付款,000, FICO®分数为780或更高, 25% down payment, and loan amount of $300,000; they do not include amounts for taxes and insurance premiums, if applicable, 而实际支付义务可能更高. 房价如有变动,恕不另行通知. Some restrictions may apply. Please call for rate information about mortgage products with terms other than those listed.

Overview

  • Interest rate and payments are fixed for a set period of time then adjust later
  • Available in 3/6, 5/6, 7/6 ARM期限,30年摊销期限, as well as 5/5 30-year, 5/5 15-year terms
  • Some options feature up to 90% financing and no Private Mortgage Insurance (PMI)
  • Low fees and closing costs

A Good Option If:

  • 在贷款开始时,你想要更低的还款额
  • 你计划在短时间内拥有你的房子
  • 未来降低利率的可能性
  • 权衡:在设定的费率周期结束后, 利率可以根据市场情况而上升

 

可调利率按揭 Interest Rate  APR  Points  Initial Monthly Payment Maximum Monthly Payment

Purchase Rates

5/5 ARM 30 Year 7.500% 7.173% 0.000
Months 1-60
$2,097.64
Months 61-360
$2,395.00
7/6 ARM 30 Year 7.875% 8.145% 0.000
Months 1-84
$2,175.21
Months 85-360
$2,512.00
5/6 ARM 30 Year 7.875% 8.206% 0.000
Months 1-60
$2,175.21
Months 61-360
$2,532.00
See All Rates

Refinance Rates

5/5 ARM 30 Year 8.000% 7.383% 0.000
Months 1-60
$2,201.29
Months 61-360
$2,395.00
7/6 ARM 30 Year 8.375% 8.420% 0.000
Months 1-84
$2,280.22
Months 85-360
$2,512.00
5/6 ARM 30 Year 8.375% 8.420% 0.000
Months 1-60
$2,280.22
Months 61-360
$2,532.00
See All Rates

自2024年5月13日起生效的可调利率. 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 ratio and other factors, 而且可能比这里展示的要高. Rates, 成交费用和点可能因物业位置而异, 贷款类型和借款人信用及收入特点. 所有融资须经信贷审批. 基于购买价格$400的月付款,000, FICO®分数为780或更高, 25% down payment, and loan amount of $300,000; they do not include amounts for taxes and insurance premiums, if applicable, 而实际支付义务可能更高. 房价如有变动,恕不另行通知. Some restrictions may apply. 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%. 任何变化都可能对您的月供产生重大影响. 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%. 任何变化都可能对您的月供产生重大影响. 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%. 任何变化都可能对您的月供产生重大影响. 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).

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. 以美元计价的30天SOFR存款收益率加上我们的保证金.00%)四舍五入到最接近的0.125%. 任何变化都可能对您的月供产生重大影响. 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).

Overview

  • 不需要私人抵押贷款保险(PMI)
  • 首付款低至购买价的5%
  • 单户贷款最高45万美元
  • 固定利率和可调利率选项

A Good Option If:

  • 你没有攒下一大笔首付款
  • 您希望避免额外的PMI成本
  • You would benefit from extra help and advice throughout the mortgage process
  • Trade-off: Interest rate can be slightly higher than traditional fixed-rate and adjustable-rate options

Fixed Rates

Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30-Year Fixed 7.625% 7.663% 0.000 $2,353.41 360
20-Year Fixed 7.250% 7.299% 0.000 $2,628.00 240
15-Year Fixed 7.250% 7.310% 0.000 $3,035.27 180

Adjustable Rates

Interest Rate  APR  Points  Initial Monthly Payment Maximum Monthly Payment
5/5 ARM 30 7.750% 7.273% 0.000
Months 1-60
$2,382.07
Months 61-360
$2,547.00
7/6 ARM 30 8.125% 8.277% 0.000
Months 1-84
$2,468.80
Months 85-360
$2,534.00

首次购房者利率自2024年5月13日起生效. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 95% 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 ratio and other factors, 而且可能比这里展示的要高. Rates, 成交费用和点可能因物业位置而异, 贷款类型和借款人信用及收入特点. 所有融资须经信贷审批. 基于购买价格$350的月付款,000, FICO®分数为780或更高, 5% or more down payment, and loan amount of $332,500; they do not include amounts for taxes and insurance premiums, if applicable, 而实际支付义务可能更高. 房价如有变动,恕不另行通知. Some restrictions may apply. Please call for rate information about mortgage products with terms other than those listed.

自2024年5月13日起生效的可调利率. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 95% 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 ratio and other factors, 而且可能比这里展示的要高. Rates, 成交费用和点可能因物业位置而异, 贷款类型和借款人信用及收入特点. 所有融资须经信贷审批. 基于购买价格$350的月付款,000, FICO®分数为780或更高, 5% or more down payment, and loan amount of $332,500; they do not include amounts for taxes and insurance premiums, if applicable, 而实际支付义务可能更高. 房价如有变动,恕不另行通知. Some restrictions may apply. 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%. 任何变化都可能对您的月供产生重大影响. 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%. 任何变化都可能对您的月供产生重大影响. 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).

Overview

  • 还清你现有的抵押贷款,然后换一个新的, 通常是为了获得更好的利率或期限
  • 再融资到固定利率抵押贷款或可调利率贷款
  • Low fees and closing costs

A Good Option If:

  • You want to free up some money in your budget by reducing your monthly mortgage payment
  • 你想缩短你的抵押贷款期限
  • 权衡:最低利率通常会带来一些费用和成交成本

Fixed Rates

Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30-Year Fixed 7.125% 7.166% -0.250 $2,021.16 360
20-Year Fixed 7.000% 7.053% -0.125 $2,325.90 240
15-Year Fixed 6.875% 6.941% -0.125 $2,675.56 180
See All Rates

Adjustable Rates

Interest Rate  APR  Points  Initial Monthly Payment Maximum Monthly Payment
5/5 ARM 30 Year 8.000% 7.383% 0.000
Months 1-60
$2,201.29
Months 61-360
$2,395.00
7/6 ARM 30 Year 8.375% 8.420% 0.000
Months 1-84
$2,280.22
Months 85-360
$2,512.00
5/6 ARM 30 Year 8.375% 8.420% 0.000
Months 1-60
$2,280.22
Months 61-360
$2,532.00
See All Rates

固定费率自2024年5月13日起生效.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 ratio and other factors, 而且可能比这里展示的要高. Rates, 成交费用和点可能因物业位置而异, 贷款类型和借款人信用及收入特点. 所有融资须经信贷审批. 基于购买价格$400的月付款,000, FICO®分数为780或更高, 25% down payment, and loan amount of $300,000; they do not include amounts for taxes and insurance premiums, if applicable, 而实际支付义务可能更高. 房价如有变动,恕不另行通知. Some restrictions may apply. Please call for rate information about mortgage products with terms other than those listed.

自2024年5月13日起生效的可调利率. 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 ratio and other factors, 而且可能比这里展示的要高. Rates, 成交费用和点可能因物业位置而异, 贷款类型和借款人信用及收入特点. 所有融资须经信贷审批. 基于购买价格$400的月付款,000, FICO®分数为780或更高, 25% down payment, and loan amount of $300,000; they do not include amounts for taxes and insurance premiums, if applicable, 而实际支付义务可能更高. 房价如有变动,恕不另行通知. Some restrictions may apply. 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%. 任何变化都可能对您的月供产生重大影响. 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%. 任何变化都可能对您的月供产生重大影响. 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. 以美元计价的30天SOFR存款收益率加上我们的保证金.00%)四舍五入到最接近的0.125%. 任何变化都可能对您的月供产生重大影响. 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%. 任何变化都可能对您的月供产生重大影响. 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).

Overview

  • A loan for when the amount of the mortgage exceeds loan-servicing limits set by Fannie Mae and Freddie Mac
  • Available in a variety of terms, including fixed-rate and adjustable-rate loans
  • 涵盖购买和再融资金额高达100万美元
  • No PMI required

A Good Option If:

  • You want to avoid taking out two or more loans to finance a home purchase
  • Trade-off: Interest rate can be slightly higher than traditional home loan and credit requirements are rigorous

Overview

  • As low as 10% down payment
  • Similar to a standard purchase or refinance except it involves determining future value.
  • During construction, you pay monthly interest-only payments based on what funds have been given to the builder
  • 一年建设期后, 贷款以相同的利率转为永久性融资
  • 12-month construction term with 90% Loan to Value (LTV) up to $750,000, and 85% LTV up to $1,000,000

A Good Option If:

  • 你喜欢一站式购物,想要一个结案
  • 你只需要在施工期间支付利息
  • 批股本可记入您的首付款
  • 仅限印第安纳州和业主自住
  • No PMI Required

Overview

  • 为未改善的土地提供资金,用于建造您的主要住所
  • 融资金额为拍品价值的80%,最高不超过25万美元
  • 1-year maximum term

A Good Option If:

  • 你正在建造一个新家,需要为它所处的土地提供资金
  • 取舍:需要20%或更高的首付款

Overview

  • Government-backed loan
  • Fixed-rate loan

A Good Option If:

  • If you have less than perfect credit and don’t have enough for the standard 5-20% down payment
  • 权衡:利率通常略高于传统贷款
FHA Loan Interest Rate  APR  Points  Monthly Payment Loan Term (Months)

Purchase Rates

30-Year Fixed 6.500% 7.262% -0.125 $2,439.78 360
15-Year Fixed 6.750% 7.492% -0.250 $3,415.75 180

Refinance Rates

30-Year Fixed 6.500% 7.262% -0.125 $2,439.78 360
15-Year Fixed 6.750% 7.492% -0.250 $3,415.75 180

联邦住房管理局按揭利率将于2024年5月13日生效. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 96.5% 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 ratio, and other factors, 而且可能比这里展示的要高. Rates, closing costs, 而且点数可能因房产位置而异, loan type, 以及借款人的信用和收入特征. 所有融资须经信贷审批. 基于购买价格$400的月付款,000, FICO®分数为780或更高, and 3.5% or more down payment, and loan amount of $386,000; FHA mortgage insurance premium is excluded, 这还不包括税金和保险费, if applicable, 而实际支付义务可能更高. 房价如有变动,恕不另行通知. Some restrictions may apply.

联邦住房管理局按揭利率将于2024年5月13日生效. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 96.5% 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 ratio and other factors, 而且可能比这里展示的要高. Rates, 成交费用和点可能因物业位置而异, 贷款类型和借款人信用及收入特点. 所有融资须经信贷审批. Example Monthly Payments based on a property value of $400,000, FICO®分数为780或更高, and 3.5% or more equity, and loan amount of $386,000; FHA mortgage insurance premium is excluded, 这还不包括税金和保险费, if applicable, 而实际支付义务可能更高. 房价如有变动,恕不另行通知. Some restrictions may apply.

Overview

  • Mortgage guaranteed by the U.S. 退伍军人事务部(VA)
  • For American veterans, current military, reservists, and surviving spouses
  • 没有首付或PMI要求

A Good Option If:

  • 你正在或曾经在美国服役.S. 军人和想利用抵押贷款没有首付
VA Loan Interest Rate  APR  Points  Monthly Payment Loan Term (Months)

Purchase Rates

30-Year Fixed 6.625% 6.852% -0.375 $2,561.24 360
15-Year Fixed 6.750% 7.124% -0.125 $3,539.64 180

Refinance Rates

30-Year Fixed 6.625% 6.854% -0.375 $2,305.12 360
15-Year Fixed 6.750% 7.127% -0.125 $3,185.67 180

退伍军人管理局抵押贷款利率自2024年5月13日起生效. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 100% 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 ratio and other factors, 而且可能比这里展示的要高. Rates, 成交费用和点可能因物业位置而异, 贷款类型和借款人信用及收入特点. 所有融资须经信贷审批. Example Monthly Payments based on purchase price and base loan amount of $400,000, FICO®分数为780或更高, and 0% or more down payment; VA funding fee is excluded, 这还不包括税金和保险费, if applicable, 而实际支付义务可能更高. 房价如有变动,恕不另行通知. Some restrictions may apply.

退伍军人管理局抵押贷款利率自2024年5月13日起生效. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 90% 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 ratio and other factors, 而且可能比这里展示的要高. Rates, 成交费用和点可能因物业位置而异, 贷款类型和借款人信用及收入特点. 所有融资须经信贷审批. 基于财产价值$400的月付款,000, FICO®分数为780或更高, and 10% or more equity, 基本贷款额是360美元,000; VA funding fee is excluded, 这还不包括税金和保险费, if applicable, 而实际支付义务可能更高. 房价如有变动,恕不另行通知. Some restrictions may apply.

Overview

  • 美国政府向农村业主提供抵押贷款.S. Department of Agriculture
  • No down payment required—you may finance up to 100% of the property value

A Good Option If:

  • 你在农村地区购买房产(根据美国农业部的定义)
  • 您符合所在县的收入限制
USDA Loan Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30-Year Fixed 6.500% 6.982% -0.125 $2,528.27 360

美国农业部抵押贷款利率自2024年5月13日起生效. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 100% 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 ratio, and other factors, 而且可能比这里展示的要高. Rates, closing costs, 而且点数可能因房产位置而异, loan type, 以及借款人的信用和收入特征. 所有融资须经信贷审批. Example Monthly Payments based on purchase price and base loan amount of $400,000, FICO®分数为780或更高, and 0% or more down payment; USDA guarantee fee is excluded, 这还不包括税金和保险费, if applicable, 而实际支付义务可能更高. 房价如有变动,恕不另行通知. Some restrictions may apply.