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CONVENTIONAL Mortgage Rates

SALE PRICE: $350,000
LOAN TERM: 15 years
PRODUCT : Fixed Rate

Loan Terms

Can this amount increase after closing?

Loan Amount

$280,000

NO

Interest Rate

3.375%

NO

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

$1,984.53

NO

Does the loan have these features?

Prepayment Penalty

NO

Balloon Payment

NO

Projected Payments

Payment Calculation

Years 1-15

Years

Payment Calculation

$1,984.53

$ __

Mortgage Insurance

+

__

+

__

Estimate Escrow
Amount can increase over time

+

570

+

__

Estimated Total
Monthly Payment

$2,555

$__

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

$11,192

Includes $8,016 in Loan Costs + $3,176 in Other Costs – $0 in Lender Credits. See page 2 for details.

Estimated Cash to Close

$75,920

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

Closing Cost Details

Projected Payments

A. Origination Charges

$3,760

0 % of Loan Amount (Points)

$1400

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

$1,166

Homeowner’s Insurance Premium ( 12 months)

$1,140

Mortgage Insurance Premium ( months)


Prepaid Interest ( $25.89 per day for 1 days @ 3.375%)

$26

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)

$3,176

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

$11,192

D + I

$11,192

Lender Credits


Calculating Cash to Close

Total Closing Costs (J)

$11,192

Closing Costs Financed (Paid from your Loan Amount)

$0.00

Down Payment/Funds from Borrower

$70,000

Deposit

-$3,500

Funds for Borrower

$0.00

Seller Credits

-$1,772

Adjustments and Other Credits

$0.00

Estimated Cash to Close

$75,920

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

$8,016

Valoraciones de Clientes:

  • Rodolfo Garcia • July 25, 2018

    Joan and the rest of staff at Clear Lending did an amazing job. Taking the time to explain all the details and taking all the right steps on getting me into a home. I recommend anyone in the home buying market to contact him. He will take care of you.

  • Jhon Park • October 26, 2016

    Thank you so much Joan for all the hard work you put into getting me and my family our mortgage approval.

  • Seba & Murat • December 31, 2015

    Joan is the first loan officer we worked with, however, we were lucky we found him as we saved so much time. Although house presented some handicaps, he took care of everything. He knows what to do after so many years of experince. If you are planning to buy a house, I advise to submit a loan application and soon will enjoy your new home!

    Thank you Joan for your time and efforts!

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