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INICIO / TASAS DE INTERÉS

Tasas de interés - HACER CLIC - Tarifas sujetas a cambios sin previo aviso

*Para conocer los términos y condiciones detallados de las tasas de estimación de préstamos que se anuncian aquí, navegue por esta página desde una versión de escritorio. Gracias.

CONVENCIONAL Tasas De Interes

SALES PRICE: $600,000
LOAN TERM: 30 years
PRODUCT: Fixed Rate

Loan Terms

Can this amount increase after closing?

Loan Amount

$582,000

NO

Interest Rate

5.625%

NO

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

$3,350.82

NO

Does the loan have these features?

Prepayment Penalty

NO

Balloon Payment

NO

Projected Payments

Payment Calculation

Years 1-30

Years

Payment Calculation

$3,350.82

$__

Mortgage Insurance

 +

$189.15

 +

__

Estimate Escrow
Amount can increase over time

 +

$1,623

 +

__

Estimated Total
Monthly Payment

$5,162.97

$__

Estimated Taxes, Insurance
& Assessments
Amount can increase over time

$1,623
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

$22,919

Includes $12,656 in Loan Costs + $10,263 in Other Costs – $0 in Lender Credits. See page 2 for details.

Estimated Cash to Close

$24,919

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

Closing Cost Details

Projected Payments

A. Origination Charges

$5,995

1.0333% of Loan Amount (Discount Points)

$5,820

Lender Document Attorney Preparation Fee

$175

Other Costs

E. Taxes and Other Government Fees

$125

Recording Fees and Other Taxes

$125

Transfer Taxes

F. Prepaids

$4,889

Homeowner’s Insurance Premium ( 12 months)

$4,800

Mortgage Insurance Premium ( months)

Prepaid Interest ( $89.65 / day for 1 days @ 5.625%)

$89.95

PropertyTaxes ( months)

B. Services You Cannot Shop For

$1,295

Appraisal Fee

$600

Contract Processing Fee

$500

Credit Report

$95

Flood Certification

$15

Tax Service Fee

$85


G. Initial Escrow Payment at Closing

$4,899

Homeowner’s Insurance $400 per month for 3 mo.

$1,200

Mortgage Insurance per month for 0 mo.

Property Taxes $1,233 per month for 3 mo.

$3,699

H. Other

$350

HOA Transfer Fees

$350

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

$10,263

C. Services You Can Shop For

$5,366

Survey Fee

$575

Title - Abstract/Title Search Fee

$100

Title - Lender's Title Insurance

$4,056

Title - Settlement/Escrow Fee

$550

Title - Tax Certificate Fee

$85



J. TOTAL CLOSING COSTS

$22,919

D + I

$22,919

Lender Credits

Calculating Cash to Close

Total Closing Costs (J)

$22,919

Closing Costs Financed (Paid from your Loan Amount)

$0.00

Down Payment/Funds from Borrower

$18,000

Deposit

-$6,000

Funds for Borrower

$0

Seller Credits

-$10,000

Adjustments and Other Credits

$0.00

Estimated Cash to Close

$24,919

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

$12,656

Cómo encontrar y comparar las tasas de interés de los préstamos hipotecarios...

 

El proceso de búsqueda de las mejores tasas de interés en Houston es, en muchas ocasiones, un trabajo complicado a tiempo completo.

Comprar una casa implica muchas decisiones complejas y, además de encontrar la casa adecuada, sería justo decir que la más importante es la tasa de interés del préstamo hipotecario. Es extremadamente importante asegurarse de que no pagaremos más intereses de los que deberíamos, con una tasa de interés mas baja durante el plazo de 15 o 30 años.

Considere el siguiente escenario hipotético que de ninguna manera es una oferta o extensión de crédito a 2 posibles tasas de interés diferentes, asumiendo que los costos de cierre son $0 y no hay seguro hipotecario. Ofrecimos $325,000 por la casa perfecta y el vendedor ha aceptado. Por lo tanto, los siguientes números,

Precio de compra: $325,000
Pago inicial: $16,250 (5%)
Monto del préstamo: $308,750
Opción 1 a 4.875% - Pago mensual: $1,633.93
Opción 2 a 4.625% - Pago mensual: $1,587.41

Si íbamos a cerrar la compra de dicha casa a una tasa de interés más alta de 4.875% y un pago de $1,633.93, el costo de oportunidad de no cerrar a la tasa más baja de 4.625% sería de $34,299.30. ¿Por qué? Porque si tuviéramos que elegir una tasa de interés más alta y, por lo tanto, un pago mensual más alto si se aplicara a una tasa más baja en una hipoteca a 30 años, aceleraríamos el plazo de nuestro préstamo en 21 pagos a $1,633.93 equivaldría a los $34,299.30. Y cualquier otro esfuerzo por pagar más aceleraría igualmente el pago de la nota.

Pero encontrar las mejores tasas de interés en Houston no solo depende de encontrar el banco más barato, sino también de encontrar la mejor asociación para completar la compra de una casa. Clear Lending ofrece las mejores tasas de interés en Houston mediante la creación de asociaciones entre agentes de bienes raíces y agentes de préstamos donde se pueden obtener mejores tasas que la mayoría de los competidores sin la necesidad de perder tiempo buscando docenas de bancos y prestamistas.

Simplemente solicite ahora y comenzaremos la aprobación de su préstamo hipotecario con todas sus opciones para comparar.

 

Comentarios de clientes:

  • Rodolfo Garcia • Julio 25, 2018

    Joan and the rest of staff at Clear Lending did an amazing job. Taking the time to explain all the details and taking all the right steps on getting me into a home. I recommend anyone in the home buying market to contact him. He will take care of you.

  • Olabisi Muakum • Julio 11, 2019

    FROM GOOGLE: AWESOME! AMAZING! EXPERIENCED! I can go on and on with adjectives to describe this guy! If you need a loan officer/realtor that you can trust, then Joan is the guy for you! I am a first time home buyer; I just got out of a complicated loan process and was very scared to go through another process of purchasing a home again until I met Joan. With Joan, buying a home was very simple and straight forward. He took his time to educate me about the loan process, and it allowed me to make informed decisions. I decided on the conventional loan, and he worked very hard to ensure that I got a loan with a meager interest rate. He kept me updated throughout and ensured that I understood everything. The entire process was super fast, and we closed the deal very early paying lower than I had expected for closing costs. I strongly recommend "Joan Gallardo of Clear lending" to anyone out there who is interested in buying a home. He saves you time, money, energy, and guides you through the process. You won't regret it!

  • Corey Ballet • Febrero 25, 2019

    FROM GOOGLE: Due to a few discrepancies on my credit report. Joan agree to pull me into his office and explain to me a couple of things that I need to to approve my chances of becoming a homeowner I appreciate him for that cuz he don't have that to do that.the guys at clearlending is amazing I appreciate you all.

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