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Preguntas Sobre Préstamos
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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.

ESTADO BANCARIO Tasas De Interes

SALES PRICE: $380,000
LOAN TERM: 30 years
PRODUCT: Fixed Rate

Loan Terms

Can this amount increase after closing?

Loan Amount

$322,000

NO

Interest Rate

6.990%

NO

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

$2,146.76

NO

Does the loan have these features?

Prepayment Penalty

NO

Balloon Payment

NO

Projected Payments

Payment Calculation

Years 1 - 30

Years - 

Payment Calculation

$2,146.76

$

Mortgage Insurance

 +

__

 +

__

Estimate Escrow
Amount can increase over time

 +

$656.00

 +

Estimated Total
Monthly Payment

$2,802.72

$

Estimated Taxes, Insurance
& Assessments
Amount can increase over time

$656.00
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

$21,461

Includes $16,505 in Loan Costs + $4,956 in Other Costs – $0 in Lender Credits. See page 2 for details.

Estimated Cash to Close

$63,261

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

Closing Cost Details

Projected Payments

A. Origination Charges

$11,285

2 % of Loan Amount (Points)

$6,460

Document Review Fee

$100

Loan Origination Fee

$3,230

Underwriting Fee

$1,495



Other Costs

E. Taxes and Other Government Fees

$175

Recording Fees and Other Taxes

$175

Transfer Taxes

F. Prepaids

$2,463

Homeowner’s Insurance Premium ( 12 months)

$2,400

Mortgage Insurance Premium ( months)

Prepaid Interest ($62.72 / day for 1 days @ 6.990%)

$62.72

PropertyTaxes ( months)

B. Services You Cannot Shop For

$1,335

Appraisal Fee

$650

Contract Processing Fee

$500

Credit Report

$95

Flood Certification

$15

Tax Service Fee

$75



G. Initial Escrow Payment at Closing

$1,968

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

$600

Mortgage Insurance per month for 0 mo.

Property Taxes $456 per month for 3 mo.

$1,368

H. Other

$350

HOA Transfer Fees

$350

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

$4,956

C. Services You Can Shop For

$3,885

Survey Fee

$575

Title - Lender's Title Insurance

$2,685

Title - Settlement/Escrow Fee

$550

Title - Tax Certificate Fee

$75





J. TOTAL CLOSING COSTS

$21,461

D + I

$21,461

Lender Credits

Calculating Cash to Close

Total Closing Costs (J)

$21,461

Closing Costs Financed (Paid from your Loan Amount)

$0.00

Down Payment/Funds from Borrower

$57,000

Deposit

-$3,800

Funds for Borrower

$0

Seller Credits

-$11,400

Adjustments and Other Credits

$0.00

Estimated Cash to Close

$63,261

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

$16,505

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:

  • Roberto & Irene • Agosto 04, 2017

    I wanted to buy a second home, without having to sell my primary home in Florida. I had originally contracted another mortgage broker to help me secure a loan. I spent so much valuable time with this broker only for her to tell me that I could not obtain any financing unless I sold my house in Florida. I was so frustrated with the original broker that I decided to look online for another mortgage company. I found Clear Lending. OMG talk about professionalism, knowledgeable, and the dedication Joan from Clear Lending, and his staff that in 3 months I had a new home in Texas, without selling my home in Florida. The best part of this that under the Clear Lending umbrella I was able to get my mortgage and Real Estate agent under one roof.

  • Alicia D • Julio 20, 2019

    FROM GOOGLE: AWESOME! Clear Lending knows what they are talking about when it comes to the buying and selling of Homes. They will go out of their way to make their clients feel secure in the handling of the biggest transaction of their lives. I highly recommend them! BIG shout to Edgar, Joan and Patricia…so friendly, helpful and professional. THANK YOU SO MUCH Y’ALL!

  • Bobby & Dyann • Septiembre 09, 2017

    Joan is awesome! He helped us secure a home loan in a very short time. After being rejected, losing money and valuable time with another organization, Joan accomplished what I thought was impossible. I found Joan to be knowledgeable, professional and driven in his efforts to get us approved. He communicated to us throughout the process and was responsive to my questions and concerns. I would recommend anyone looking at purchasing a home to contact Joan and he will make it happen. He is great! Thanks Joan!!

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