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: | $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 |
$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 |
+ $1,623 |
+ __ |
|||||||||||
Estimated Total |
$5,162.97 |
$__ |
|||||||||||
Estimated Taxes, Insurance |
|
||||||||||||
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. |
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 |
|
Mi esposa y yo recomiendamos ampliamente a Clear Lending ellos me ayudaron para ser aprobados con un loan para comprar nuestra casa por eso volvimos a llamarlos para refinanciar . Ahora nuestro pago es mas bajo y en menos anos. Tiene muchos anos de experiencia y un buen trato al cliente por eso no dude en llamarlos . Gracias Joan .
Joan and his team provided me with a flawless and stress-free service, as a first time home buyer. From the first interaction, until closing and thereafter, it has been an absolute pleasure to partner with Clear Lending. Their knowledge and transparency is incredible, and this industry needs more Joan's (and his team) in this world!
Excellent Loan Officer!!! Joan Gallardo works fast and gives his best effort to his clients. A very polite man that always answers your questions. I Really Recommend him to anyone. God Bless You.
