It does depend on your campus and the chapters, as said above. I know of schools where pledging a fraternity as a junior is not a problem, and others where your options are more limited. Just approach it with an open mind and meet as many guys in as many chapters as you can. Let them know you're a new transfer and a first semester junior. As a first semester junior, the assumption is that they will get at least two years of undergrad membership from you.
The off-campus question is also a "depends on your school" answer, but I'm not aware of that being a problem as far as fraternity policies go. I have two friends whose sons pledged this fall at Auburn -- both sophomores, age 20, and living off campus. Another friend's son also pledged his fraternity while living off campus at his school. I even know of guys who were local to their schools and were still living at home while pledging. The issue in all cases was that it was more of an inconvenience for the guys pledging. Pledging can be time-consuming and getting to events, meetings, etc is easier and quicker for guys living on campus. Best wishes to you!
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