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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.

JUMBO Mortgage Rates

SALES PRICE: $1,200,000
LOAN TERM: 30 years
PRODUCT: Fixed Rate

Loan Terms

Can this amount increase after closing?

Loan Amount

$900,000

NO

Interest Rate

6.500%

NO

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

$5,688.61

NO

Does the loan have these features?

Prepayment Penalty

NO

Balloon Payment

NO

Projected Payments

Payment Calculation

Years 1-30

Years

Payment Calculation

$5,688.61

$__

Mortgage Insurance

 +

__

 +

__

Estimate Escrow
Amount can increase over time

 +

1,470

 +

__

Estimated Total
Monthly Payment

$7,158.61

$__

Estimated Taxes, Insurance
& Assessments
Amount can increase over time

$1,270
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

$25,506

Includes $17,951 in Loan Costs + $7,555 in Other Costs – $0 in Lender Credits. See page 2 for details.

Estimated Cash to Close

$313,506

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

Closing Cost Details

Projected Payments

A. Origination Charges

$11,360

1 % of Loan Amount (Points)

$9,000

Document Review Fee

$85

Loan Origination Fee

$1,000

Transaction Fee

$575

Warehouse Fee

$700

Other Costs

E. Taxes and Other Government Fees

$125

Recording Fees and Other Taxes

$125

Transfer Taxes

F. Prepaids

$3,400

Homeowner’s Insurance Premium ( 12 months)

$3,240

Mortgage Insurance Premium ( months)

Prepaid Interest ( $160.27 / day for 1 days @ 6.500%)

$160.27

PropertyTaxes ( months)

B. Services You Cannot Shop For

$1,394

Appraisal Fee

$475

Contract Processing Fee

$500

Credit Report

$44

Document Preparation Fee

$300

Flood Certification

$6

Tax Service Fee

$69

G. Initial Escrow Payment at Closing

$3,855

Homeowner’s Insurance $270 per month for 3 mo.

$255

Mortgage Insurance per month for 0 mo.

Property Taxes $1,200 per month for 3 mo.

$3,600

H. Other

$175

HOA Transfer Fees

$175

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

$7,555

C. Services You Can Shop For

$5,197

Survey Fee

$406

Title - Lender's Title Insurance

$4,375

Title - Settlement/Escrow Fee

$350

Title - Tax Certificate Fee

$66





J. TOTAL CLOSING COSTS

$25,506

D + I

$25,506

Lender Credits

Calculating Cash to Close

Total Closing Costs (J)

$25,506

Closing Costs Financed (Paid from your Loan Amount)

$0.00

Down Payment/Funds from Borrower

$300,00

Deposit

-$12,000

Funds for Borrower

$0

Seller Credits

$0.00

Adjustments and Other Credits

$0.00

Estimated Cash to Close

$313,506

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

$17,951

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:

  • Rildon & Edis • Mayo 04, 2017

    My wife and I had been trying to purchase a home for over two years and due to some other unforeseen issues we felt that that dream would never come true. I am grateful that we found Joan Gallardo with Clear Lending to make our dream come true. Joan was there every step of the way and two months after closing he is still there for us if we need anything or have any questions about our mortgage. Being first time buyers we were scared and nervous about the entire process but Joan made it as simple as possible and the whole experience was great. He gave us all the information we needed to make the home purchase that fit our needs and we could have not asked for a better mortgage lender. Our family is forever grateful for his hard and professionalism.

  • Fernando & Araceli • Enero 14, 2016

    Dear Joan,

     

    I am writing you to say Thank You for making our dream come true. My family and I appreciate all the time and effort that you gave on this journey of helping us towards acquiring our dream house. We thank you for all the phone calls that you made including those at late hours, the letters that you wrote, for helping us with our credit, for all the updates, for taking the time on the negotiation to get the price to a fair point, and for going above and beyond in this process. We will definitely recommend you to anybody that is seeking help in buying their own new home. I am grateful that you were the one by our side during every step of the way.

     

    Many thanks from Fernando and Araceli.

  • Frank Uribe • Marzo 03, 2019

    FROM GOOGLE: This Company is by far the most professional company I have worked with!! Effective, Caring and Result Oriented. I cannot express enough how knowledgeable Joan and Patricia are, they walked us through every step of the way, answered every one of our questions no matter how small. Joan gave us plenty of advice and support to help us find our home. Joan was ALWAYS available when we needed him and his sense of urgency was par to none, he treated our home buying process as if it was his own. I have never worked with a group of people that cares so much about their clients. Joan made our first home buying experience a thing to remember. There are hits and runs, but working with Clearlending was a Homerun!!!! We recommend Clear Lending to all of our friends and family. Thank you Joan and Patricia!!!! May God bless you guys and continue to give you success.

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