Programa para extranjeros sin:
Residencia, Seguro Social o Ingresos en EEUU
Todos Los Programas Del Gobierno
Primer Comprador, Rural y Veteranos
Pregunte sobre nuestro programa
Para mejorar su puntaje de credito...
Con tan solo...
500 Credito!!!
No se preocupe y someta una aplicacion
Nosostros le ayudaremos.
Contactenos para analizar su caso.
No se preocupe y someta una aplicacion
Nosostros le ayudaremos.
Préstamos hasta el 90% de financiacion
Para compras de hasta $830,000
Préstamos para Familias con ingresos moderados
0% de pago inicial - 100% de financiación
| 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 |
$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 |
+ $656.00 |
+ |
|||||||||||
Estimated Total |
$2,802.72 |
$ |
|||||||||||
Estimated Taxes, Insurance |
|
||||||||||||
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. |
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 |
|
Joan,
No tengo palabras para agradecerles todo lo que han hecho por nosotros, mi Esposa y yo estamos muy felices de que nos ayudaron a realizar nuestro sueño de comprar la casa que tanto esperamos. Este fue un gran trabajo de ustedes, cuando todo parecia muy complicado, siempre encontraron la solucion, siempre nos dieron mucho aliento para continuar, y nunca nos dejaron solos. Joan, gracias por conseguirnos locked rate de 3.875% cuando habiamos iniciado con 4.25%. Gracias por tomar nuestras llamadas y responder nuestras dudas a toda hora, siempre con la major actitud. Los recomendamos 100%. Gracias por hacer lo imposible posible, los voy a recomendar con todos mis amigos.
Un abrazo! Fausto
Joan and Clear Lending were a blessing for our family! Prior to working with Joan, I ran into one brick wall after another with financial institutions that simply judged me based on a "credit score" without taking into account any contributing factors beyond my control. Fortunately for us, we met Joan. He was able to do something that up until that point seemed impossible...approval for a home purchase! He worked long hours and showed great patience. We have been in our new home purchase a little over two months and we owe Joan a great deal of credit. I recommend anyone who is interested in purchasing a home to give Joan a call before you give up. If it can be done he is the guy to make it happen! I have already referred a family member and they are excited. Thanks, Joan!
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!
