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

Interest Rates - HACER CLIC - Tarifas sujetas a cambios sin previo aviso

* Para estimar las tasas de préstamos detallados Términos y Condiciones anunciado aquí por favor navegar esta página de una versión de escritorio. Gracias.

CONVENTIONAL Mortgage Rates

SALE PRICE: $350,000
LOAN TERM: 30 years
PRODUCT : Fixed Rate

Loan Terms

Can this amount increase after closing?

Loan Amount

$280,000

NO

Interest Rate

3.990%

NO

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

$1,335.15

NO

Does the loan have these features?

Prepayment Penalty

NO

Balloon Payment

NO

Projected Payments

Payment Calculation

Years 1-30

Years

Payment Calculation

$1,335.15

$__

Mortgage Insurance

+

__

+

__

Estimate Escrow
Amount can increase over time

+

570

+

__

Estimated Total
Monthly Payment

$1,905

$__

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

$11,198

Includes $8,017 in Loan Costs + $3,181 in Other Costs – $0 in Lender Credits. See page 2 for details.

Estimated Cash to Close

$75,926

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

Closing Cost Details

Projected Payments

A. Origination Charges

$3,760

0.5 % of Loan Amount (Points)

$1,400

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

$1,171

Homeowner’s Insurance Premium ( 12 months)

$1,140

Mortgage Insurance Premium ( months)


Prepaid Interest ( $30.61 per day for 15 days @ 3.990%)

$31

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)

$3,181

C. Services You Can Shop For

$2,863

Survey Fee

$406

Title - Lender's Title Insurance

$2,041

Title - Settlement/Escrow Fee

$350

Title - Tax Certificate Fee

$66









J. TOTAL CLOSING COSTS

$11,198

D + I

$11,198

Lender Credits


Calculating Cash to Close

Total Closing Costs (J)

$11,198

Closing Costs Financed (Paid from your Loan Amount)

$0.00

Down Payment/Funds from Borrower

$70,000

Deposit

-$3,500

Funds for Borrower

$0

Seller Credits

-$1,772

Adjustments and Other Credits

$0.00

Estimated Cash to Close

$75,926

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

$8,017

Valoraciones de Clientes:

  • Ernest Haeberli • July 12, 2017

    I cannot put into words how strongly we feel about your dedication to meeting OUR needs. Your professionalism, courtesy, follow through, creativeness, and ‘can do’ attitude combine to create a very special package. Thanks Joan!!!

  • Julio Gomez • October 09, 2016

    It was great to have Clear Lending support to achieve my objectives. My Family and I contacted Clear Lending from Indonesia for primary home mortgage. All the process was completed remotely by email and Whatsapp. Upon getting the credit approval, we chose our new home and closed the purchase successfully and timely. My Family and I are very lucky to count on you and we wish to thank you for a fantastic services and for your guidance and advise.

  • Fernando & Araceli • January 14, 2016

    Dear Joan,

     

    I am writing you to say Thank You for making our dream come true. My family and I appreciate all the time and effort that you gave on this journey of helping us towards acquiring our dream house. We thank you for all the phone calls that you made including those at late hours, the letters that you wrote, for helping us with our credit, for all the updates, for taking the time on the negotiation to get the price to a fair point, and for going above and beyond in this process. We will definitely recommend you to anybody that is seeking help in buying their own new home. I am grateful that you were the one by our side during every step of the way.

     

    Many thanks from Fernando and Araceli.

Consiga su muy reciente Tasa Cotización Ahora!

Si su número no es válido no le enviaremos su cotización