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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.

CONVENCIONAL Tasas De Interes

SALES PRICE: $600,000
LOAN TERM: 30 years
PRODUCT: Fixed Rate

Loan Terms

Can this amount increase after closing?

Loan Amount

$582,000

NO

Interest Rate

5.625%

NO

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

$3,350.82

NO

Does the loan have these features?

Prepayment Penalty

NO

Balloon Payment

NO

Projected Payments

Payment Calculation

Years 1-30

Years

Payment Calculation

$3,350.82

$__

Mortgage Insurance

 +

$189.15

 +

__

Estimate Escrow
Amount can increase over time

 +

$1,623

 +

__

Estimated Total
Monthly Payment

$5,162.97

$__

Estimated Taxes, Insurance
& Assessments
Amount can increase over time

$1,623
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

$22,919

Includes $12,656 in Loan Costs + $10,263 in Other Costs – $0 in Lender Credits. See page 2 for details.

Estimated Cash to Close

$24,919

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

Closing Cost Details

Projected Payments

A. Origination Charges

$5,995

1.0333% of Loan Amount (Discount Points)

$5,820

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

$4,889

Homeowner’s Insurance Premium ( 12 months)

$4,800

Mortgage Insurance Premium ( months)

Prepaid Interest ( $89.65 / day for 1 days @ 5.625%)

$89.95

PropertyTaxes ( months)

B. Services You Cannot Shop For

$1,295

Appraisal Fee

$600

Contract Processing Fee

$500

Credit Report

$95

Flood Certification

$15

Tax Service Fee

$85


G. Initial Escrow Payment at Closing

$4,899

Homeowner’s Insurance $400 per month for 3 mo.

$1,200

Mortgage Insurance per month for 0 mo.

Property Taxes $1,233 per month for 3 mo.

$3,699

H. Other

$350

HOA Transfer Fees

$350

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

$10,263

C. Services You Can Shop For

$5,366

Survey Fee

$575

Title - Abstract/Title Search Fee

$100

Title - Lender's Title Insurance

$4,056

Title - Settlement/Escrow Fee

$550

Title - Tax Certificate Fee

$85



J. TOTAL CLOSING COSTS

$22,919

D + I

$22,919

Lender Credits

Calculating Cash to Close

Total Closing Costs (J)

$22,919

Closing Costs Financed (Paid from your Loan Amount)

$0.00

Down Payment/Funds from Borrower

$18,000

Deposit

-$6,000

Funds for Borrower

$0

Seller Credits

-$10,000

Adjustments and Other Credits

$0.00

Estimated Cash to Close

$24,919

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

$12,656

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:

  • Haroldo Reyes • Octubre 03, 2020

    I want to start this review saying big thanks to the Clear Lending team especially to Joan Gallardo because without him None of this would be possible..., We Choose Clear Lending initially based on positive online reviews, and couldn’t have been more satisfied with the process. While the process of home buying was much more difficult than we’d imagined, based on the levels of competitiveness, Joan gave us excellent guidance, unflagging availability, and deep knowledge about a really wide range of homes that we looked at. He helped us get into our dream home with minimal stress, thanks to him and his team we got the house that I and my family were looking for, he was more than communicative, understanding, and patient as we dragged him through dozens of open houses, Joan always kept a very communicative attitude and had the answer for each of our questions no matter what day of the week was o how late. Most important to us, Joan was always honest with us about what he thought about each property, was always available and helpful, and we always felt that he truly had our best interests at heart. In the future, if we ever decide to move, we will definitely use Joan again to both sell our home and find a new one. THANKS FOR EVERYTHING CLEAR LENDING!!!!

  • Rosa Iraheta • Marzo 28, 2018

    Joan has help many of my clients to get their loans, he is very professionals and helpful, and always available for any questions that me or my clients had during the loan process. One of my client was in DACA program and Joan help him to get his loan. I will recommend Joan and his team . Thanks you

  • Destiny Dscott • Abril 01, 2015

    Joan is a great loan officer. I couldn't have asked for a better person. I had one loan officer that felt like she couldn't get me approved. Joan stepped in and was effective and very assertive. He made sure I got approved!

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