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VA Mortgage Rates

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

Loan Terms

Can this amount increase after closing?

Loan Amount

$225,000

NO

Interest Rate

3.125%

NO

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

$1,601.07

NO

Does the loan have these features?

Prepayment Penalty

NO

Balloon Payment

NO

Projected Payments

Payment Calculation

Years 1-15

Years

Payment Calculation

$1,601.07

$__

Mortgage Insurance

+

__

+

__

Estimate Escrow
Amount can increase over time

+

460

+

__

Estimated Total
Monthly Payment

$2,061.07

$__

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

$13,063

Includes $10,569 in Loan Costs + $2,494.90 in Other Costs – $0 in Lender Credits. See page 2 for details.

Estimated Cash to Close

$6,500

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)

$0.00

Lender Document Preparation Fee

$275

Processing Fee

$495

Warehouse Fee

$850

Loan Origination Fee

$1,000









Other Costs

E. Taxes and Other Government Fees

$75

Recording Fees and Other Taxes

$75

Transfer Taxes




F. Prepaids

$1,039

Homeowner’s Insurance Premium ( 12 months)

$1,020

Mortgage Insurance Premium ( months)


Prepaid Interest ( $19.26 per day for 1 days @ 3.125%)

$19

PropertyTaxes ( months)


B. Services You Cannot Shop For

$5,442

Appraisal Fee

$500

Credit Report Fee

$29

Flood Determination Fee

$6

Tax Service Fee

$69

VA Funding Fee

$4,838













G. Initial Escrow Payment at Closing

$1,380

Homeowner’s Insurance $85.00 per month for 3mo.

$255

Mortgage Insurance per month for 0 mo.


Property Taxes $105.30 per month for 2 mo.

$1,125



H. Other

$0.00



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

$2,494

C. Services You Can Shop For

$2,507

Survey Fee

$375

Tax Certificate Fee

$66

Title  Title Search

$100

Title – Lender’s Title Policy Fee

$241

Title – Owner's Title Policy Fee

$1,725









J. TOTAL CLOSING COSTS

$13,063

D + I

$13,063

Lender Credits


Calculating Cash to Close

Total Closing Costs (J)

$13,063

Closing Costs Financed (Paid from your Loan Amount)

$4,838

Down Payment/Funds from Borrower

$0.00

Deposit

$0.00

Funds for Borrower

$0.00

Seller Credits

$0.00

Adjustments and Other Credits

$1,725

Estimated Cash to Close

$6,500.00

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

$10,569

Customers Reviews:

  • Glenda Alvarez • May 05, 2015

    Joan I really appreciate all the patience you had with us. You gave us hope after we had a bad experience with our bank making sure our loan was first approved before looking for a house. This really brought our hopes up. You made sure houses we went to see met our expectations. Then no matter how late at night or early in the morning you would answer all our calls. Even when we signed the contract on the house you would still keep in touch with us and made sure everything was good. I will be referring you everyone I know and our next home purchase is going to be with you. Thank you so much Joan.

  • David Diaz • June 09, 2016

    Great and very professional experience. They stay true to their slogan Grandiosa Experiencia muy profesional trabajo, Gracias

  • 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

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