Mon - Fri 10:00 am - 7:30 pm / Sat Appointment Only

Preguntas Sobre Préstamos
Web en Inglés Hablamos Español
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.

FHA Rates

SALES PRICE: $295,000
LOAN TERM: 15 years
PRODUCT: Fixed Rate

Loan Terms

Can this amount increase after closing?

Loan Amount

$289,656

NO

Interest Rate

5.750%

NO

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

$2,405.33

NO

Does the loan have these features?

Prepayment Penalty

NO

Balloon Payment

NO

Projected Payments

Payment Calculation

Years 1-15

Years

Payment Calculation

$2,405.33

$__

Mortgage Insurance

 +

202

 +

__

Estimate Escrow
Amount can increase over time

 +

520

 +

__

Estimated Total
Monthly Payment

$3,127.33

$__

Estimated Taxes, Insurance
& Assessments
Amount can increase over time

$520
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

$18,933

Includes $15,129 in Loan Costs + $3,804 in Other Costs – $0.00 in Lender Credits. See page 2 for details.

 
 

Estimated Cash to Close

$16,326

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

Closing Cost Details

Projected Payments

A. Origination Charges

$6,059

2.100 % of Loan Amount (Points)

$5,884

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

$1,869

Homeowner’s Insurance Premium ( 12 months)

$1,832

Mortgage Insurance Premium ( months)

Prepaid Interest ($35.20/day for 1 days @ 4.375%)

$37

PropertyTaxes ( months)

B. Services You Cannot Shop For

$6,283

Appraisal Fee

$670

Credit Report

$56

Contract Processing Fee

$500

Flood Certification

$6

Tax Service Fee

$69

Up-Front Mortgage Insurance Premium

$4,982

G. Initial Escrow Payment at Closing

$1,560

Homeowner’s Insurance $152.67/month for 3 mo.

$458

Mortgage Insurance per month for 0 mo.

Property Taxes $367.26/month for 3 mo.

$1,102

H. Other

$250

HOA Transfer Fees

$250

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

$3,804

C. Services You Can Shop For

$2,787

Survey Fee

$450

Title - Abstract/Title Search Fee

$100

Title - Lender's Title Insurance

$1,676

Title - Settlement/Escrow Fee

$495

Title - Tax Certificate Fee

$66



J. TOTAL CLOSING COSTS

$18,933

D + I

$18,933

Lender Credits

Calculating Cash to Close

Total Closing Costs (J)

$18,933

Closing Costs Financed (Paid from your Loan Amount)

-$4,982

Down Payment/Funds from Borrower

$10,325

Deposit

-$2,950

Funds for Borrower

$0.00

Seller Credits

-$5,000

Adjustments and Other Credits

$0.00

Estimated Cash to Close

$16,326

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

$15,129

Finding and Comparing Home Loan Interest Rates ...

 

The process of finding the best interest rates in Houston is, in many cases, a complicated full-time job.

Buying a home involves many complex decisions, and in addition to finding the right home, it would be fair to say that the most important is the interest rate on the home loan. It is extremely important to make sure that we do not pay more interest than we should, with a lower interest rate over the 15 or 30 year term.

Consider the following hypothetical scenario that is in no way an offer or extension of credit at 2 possible different interest rates, assuming closing costs are $ 0 and there is no mortgage insurance. We offered $ 325,000 for the perfect home and the seller has accepted. Therefore, the following numbers,

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.

But finding the best interest rates in Houston depends not only on finding the cheapest bank, but also on finding the best partnership to complete your home purchase. Clear Lending offers the best interest rates in Houston by creating partnerships between real estate agents and loan officers where you can get better rates than most competitors without the need to waste time searching for dozens of banks and lenders.

Simply apply now and we'll begin your home loan approval with all of your options to compare.

 

Comentarios de clientes:

  • Alejandro Paredes • Abril 18, 2018

    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!

  • Mireia Rivera • Marzo 03, 2020

    My husband and I are very happy to give these 5 stars. From Haverhill, Massachusetts to Houston TX. ClearLending, with open doors, and with limitless help of Patricia and Joan, today we can say “We are home owner’s”. We are truly blessed! There was never an unanswered question or unanswered phone call. There were with us step by step even though we were 1900 miles away. We would like yo take this opportunity to say thank you! You guys are great!

  • Carolyn De Leon • Diciembre 22, 2016

    Good afternoon Joan, thank you so much for all your hard work and patience during this journey. I know it was not easy but we made it. I hope God continues to use you to help make other people's dreams come true. You and your team have been a blessing to my family. Have a Merry Christmas and a most wonderful and prosperous New Year!!!!! Once again, Thank you and Best Regards Carolyn De Leon

Consiga Cotización Tasa de Interés Ahora!

Si su número no es válido no le enviaremos su cotización
CAPTCHA