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FHA Mortgage Rates

SALE PRICE: $180,000
LOAN TERM: 30 years
PRODUCT : Fixed Rate

Loan Terms

Can this amount increase after closing?

Loan Amount

$176,739

NO

Interest Rate

3.750%

NO

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

$818.51

NO

Does the loan have these features?

Prepayment Penalty

NO

Balloon Payment

NO

Projected Payments

Payment Calculation

Years 1-30

Years

Payment Calculation

$818.51

$

Mortgage Insurance

+

123

+


Estimate Escrow
Amount can increase over time

+

350

+


Estimated Total
Monthly Payment

$1,291.51

$

Estimated Taxes, Insurance
& Assessments

Amount can increase over time

$350
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

$2,073

Includes $6,552 in Loan Costs + $2,044 in Other Costs – $6,523 in Lender Credits. See page 2 for details.

Estimated Cash to Close

$7,045

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

Closing Cost Details

Projected Payments

A. Origination Charges

$745

0 % of Loan Amount (Points)

$0.00

Lender Document Preparation Fee

$250

Processing Fee

$495













Other Costs

E. Taxes and Other Government Fees

$75

Recording Fees and Other Taxes

$75

Transfer Taxes




F. Prepaids

$918

Homeowner’s Insurance Premium ( 12 months)

$900

Mortgage Insurance Premium ( months)


Prepaid Interest ( $18.16 per day for 1 days @ 3.750%)

$18

PropertyTaxes ( months)


B. Services You Cannot Shop For

$3,704

Appraisal Fee

$560

Credit Report Fee

$29

Flood Certification Fee

$6

Mortgage Insurance Premium

$3,040

Tax Serviceg Fee

$69













G. Initial Escrow Payment at Closing

$1,051

Homeowner’s Insurance $75.00 per month for 3 mo.

$225

Mortgage Insurance per month for 0 mo.


Property Taxes $275 per month for 3 mo.

$826

H. Other

$0.00



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

$2,044

C. Services You Can Shop For

$2,103

Survey Fee

$375

Tax Certificate Fee

$66

Title – Title Search

$100

Title – Lender’s Title Insurance Policy

$234

Title – Owner's Title Insurance Policy

$1,328









J. TOTAL CLOSING COSTS

$2,073

D + I

$8,596

Lender Credits

-$6,523

Calculating Cash to Close

Total Closing Costs (J)

$2,073

Closing Costs Financed (Paid from your Loan Amount)

$0.00

Down Payment/Funds from Borrower

$6,300

Deposit

$0.00

Funds for Borrower

$0.00

Seller Credits

$0.00

Adjustments and Other Credits

$1,328

Estimated Cash to Close

$7,045

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

$5,672

Customers Reviews:

  • Nicole Elizabeth • June 05, 2015

    Joan was amazing! After being let down by Chase mortgage company, Joan and his team picked up the pieces and helped me out tremendously! I would recommend going through him for loans instead of a big commercial bank. No matter what time of day; he would answer any questions or reached out to me about any concerns. He is with you and the realtor every step of the way to help get you a home. Very passionate about helping clients get a home! I would like to thank Joan and his team for helping me get my first home! Y'all made the home buying process easy for me! Thank you again. I love my home.

  • Oscar y Yecenia Rangel • January 31, 2014

    Estimado JOAN:

    Por medio de la presente, queremos enfatizar nuestro agradecimiento por tu trabajo, colaboración, profesionalismo y dedicación a nuestra petición de crédito para la compra de nuestra casa, créelo y lo enfatizo que estamos tan agradecidos por tu ayuda. Que dios te llene de bendiciones siempre, y que sigas ayudando a las personas como nosotros, mil gracias.

    Atte. Oscar y Yecenia Rangel.

  • Ernest Haeberli • July 12, 2017

    I cannot put into words how strongly we feel about your dedication to meeting OUR needs. Your professionalism, courtesy, follow through, creativeness, and ‘can do’ attitude combine to create a very special package. Thanks Joan!!!

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