Mon - Fri 9:00 am - 6:00 pm / Sat Appointment Only

Interest Rates - CLICK HERE - Rates are subject to change without notice

*For detailed Loan Estimate Rates Terms and Conditions advertised here please navigate this page from a desktop version. Thanks.

CONVENTIONAL Mortgage Rates

SALE PRICE: $225,000
LOAN TERM: 15 years
PRODUCT : Fixed Rate

Loan Terms

Can this amount increase after closing?

Loan Amount

$180,000

NO

Interest Rate

3.250%

NO

Monthly Principal & Interest
See Projected Payments below for your Estimated Total Monthly Payment

1,264.80

NO

Does the loan have these features?

Prepayment Penalty

NO

Balloon Payment

NO

Projected Payments

Payment Calculation

Years 1-15

Years

Payment Calculation

1,264.80

$ __

Mortgage Insurance

+

__

+

__

Estimate Escrow
Amount can increase over time

+

460

+

__

Estimated Total
Monthly Payment

$1,725

$__

Estimated Taxes, Insurance
& Assessments

Amount can increase over time

$460
month

This estimate includes

In escrow?

Property Taxes

YES

Homeowner’s Insurance

YES

Other:

See Section G on page 2 for escrowed property costs. You must pay for other property costs separately.

Costs at Closing

Estimated Closing Costs

$8,506

Includes $5,731 in Loan Costs + $2,775 in Other Costs – $0 in Lender Credits. See page 2 for details.

Estimated Cash to Close

$51,781

Includes Closing Costs. See Calculating Cash to Close on page 2 for details.

Closing Cost Details

Projected Payments

A. Origination Charges

$2,620

0 % of Loan Amount (Points)

$0

Lender Doc Prep Fee

$275

Loan Origination Fee

$1,000

Lender Fee

$850

Processing Fee

495









Other Costs

E. Taxes and Other Government Fees

$75

Recording Fees and Other Taxes

$75

Transfer Taxes




F. Prepaids

$1,036

Homeowner’s Insurance Premium ( 12 months)

$1,020

Mortgage Insurance Premium ( months)


Prepaid Interest ( $16.03 per day for 1 days @ 3.250%)

$16

PropertyTaxes ( months)


B. Services You Cannot Shop For

$604

Appraisal Fee

$500

Credit Report Fee

$29

Flood Report Fee

$6

Tax Service Fee

$69















G. Initial Escrow Payment at Closing

$1,380

Homeowner’s Insurance $85 per month for 3 mo.

$255

Mortgage Insurance per month for 0 mo.


Property Taxes $375 per month for 3 mo.

$1,125



H. Other

$0.00



I. TOTAL OTHER COSTS(E+F+G+H)

$2,491

C. Services You Can Shop For

$2,507

Survey Fee

$375

Tax Service Fee

$66

Title - Search Fee

$100

Title – Lender’s Title Policy Fee

$241

Title – Owner's Title Policy Fee

$1,725









J. TOTAL CLOSING COSTS

$8,222

D + I

$8,222

Lender Credits


Calculating Cash to Close

Total Closing Costs (J)

$8,222

Closing Costs Financed (Paid from your Loan Amount)

$0.00

Down Payment/Funds from Borrower

$45,000

Deposit

$0.00

Funds for Borrower

$0.00

Seller Credits

$0.00

Adjustments and Other Credits

$1,725

Estimated Cash to Close

$54,947

D. TOTAL LOAN COSTS (A + B + C)

$5,731

Customers Reviews:

  • Guillermo Canseco • January 12, 2015

    Estimado Sr. Gallardo buenos días,

    Hay pocas cosas que se comparen con el comprar una casa. Para mi y mi familia esto es un sueño y ustedes fueron una parte esencial de esto, en verdad no encuentro palabras para agradecerles su apoyo, profesionalismo y su paciencia. Creo que una de las mejores formas de decir gracias es con referencias y creanme que dudo que haya un servicio comparable al que ustedes brindan, por lo que los recomendaré a cuanta persona encuentre buscando una casa.

    De corazón, muchas gracias a todos...

    Lo mejor para ustedes y sus familias en este 2015.

    Un abrazo

    Guillermo Canseco

  • Barbara Smethers • May 15, 2013

    Joan,

    Thank you so very much!!! I'm still in a state of shock and disbelief... I really did not expect to close on this deal...You & Eleana have been wonderful and I'm so grateful for all you did to guide me through this entire adventure. I hope to meet you face-to-face someday.

    Barbara

  • Sharaine & Michael • July 26, 2017

    I don't even know where to start with just how much Joan has helped us going above and beyond of his service. I was impressed with how he handled eveything from beginning til we closed, and made sure he contacted us about every detail necessary. I could reach him even late nights and weekends where he could be spending time with family but instead, he was available to assist us. I highly recommend Joan to anyone and I promise you, you won't regret it.

Get Your Very Latest Rate Quote Now!

If CELL Phone number is not valid we will not email your Quote