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INICIO / TASAS DE INTERÉS

CONSTRUCCIÓN Tasas De Interes - 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.

CONSTRUCCIÓN Tasas De Interes

SALES PRICE: $720,000
CONSTRUCTION LOAN: 15 years
PRODUCT: Fixed Rate

Loan Terms

Can this amount increase after closing?

Loan Amount

$647,200

NO

Interest Rate

5.750% + 0.75%

NO

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

$3,505.67 to $5,374.41

YES

Does the loan have these features?

Prepayment Penalty

NO

Balloon Payment

NO

Projected Payments

Payment Calculation

Years 1

Years 2 - 15

Payment Calculation

$3,505.67

$ 2,157.33

                       $1,599.06

$5,374.41

Mortgage Insurance

 +

  $ TBD

 +

$ TBD

Estimate Escrow
Amount can increase over time

 +

$ 570

 +

$ 570

Estimated Total
Monthly Payment

$4,075

$5,944

Estimated Taxes, Insurance
& Assessments
Amount can increase over time

$570
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

$16,269

Includes $13,088 in Loan Costs + $3,252 in Other Costs – $0 in Lender Credits. See page 2 for details.

Estimated Cash to Close

$89,140

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

Closing Cost Details

Projected Payments

A. Origination Charges

$8,832

1.0 % of Loan Amount (Points)

$6,472

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

$1,242

Homeowner’s Insurance Premium ( 12 months)

$1,140

Mortgage Insurance Premium ( months)

Prepaid Interest ($101.96 / day for 1 days @ 5.750%)

$102

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

$1,710

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

$255

Mortgage Insurance per month for 0 mo.

Property Taxes $475 per month for 3 mo.

$1,425

H. Other

$175

HOA Transfer Fees

175

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

$3,252

C. Services You Can Shop For

$2,862

Survey Fee

$406

Title - Lender's Title Insurance

$2,040

Title - Settlement/Escrow Fee

$350

Title - Tax Certificate Fee

$66





J. TOTAL CLOSING COSTS

$16,340

D + I

$16,340

Lender Credits

Calculating Cash to Close

Total Closing Costs (J)

$16,340

Closing Costs Financed (Paid from your Loan Amount)

$0.00

Down Payment/Funds from Borrower

$72,800

Deposit

$0.00

Funds for Borrower

$0.00

Seller Credits

$0.00

Adjustments and Other Credits

$0.00

Estimated Cash to Close

$89,140

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

$13,088
LOAN TERM: 30 years PRODUCT : Fixed Rate

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:

  • Elizabeth Roberts

    From my first call to the final signature at closing, Joan and his team were amazing! They were patient with all my questions, and gave me the support and guidance to make my home buying process a very pleasant one. Their attention to customer service was incredible, always making me feel as if I was their only customer! Thank you Clear Lending for a wonderful home buying experience!

  • Mariela Suarez

    FROM GOOGLE: I wanted to thanks Mr.Joan and his staff for everything! Rolando and I are veryyy happy. Thank you for being so patient and for always be there and help us with our new home, Patricia is just the best also she was always there whenever I had any question, and they will always have an answer for it. Thanks again for everything.

  • Alejandro Paredes

    First and foremost I want to thank the entire Clear Lending team for this incredible experience. Joan Gallardo was very professional and honest throughout this whole process. He took the time to explain everything step by step and at any time of day. I am a DACA recipient and that wasn't no issue at all for Mr. Joan to get me a loan for the low rate of 3.875% interest. To me that is amazing and very appreciated because other loan companies told me I was not able to get a interest rate like that because I was a DACA recipient. I highly recommend Clear Lending for DACA recipients because they opened the doors for me so I can accomplish my dreams of purchasing my first home. Patricia was also very attentive to my process and helpful every step of the way. Mrs. Rosa Iraheta was my realtor who helped me look for the home and made sure it met all my expectations. I can't thank you enough for all the time and hard work you and the whole Clear Lending team put for me and my family to be here today in our new home. May God bless you all! And Thank you!

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