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: | $295,000 |
| LOAN TERM: | 15 years |
| PRODUCT: | Fixed Rate |
Loan Terms |
Can this amount increase after closing? |
|
Loan Amount |
$289,656 |
NO |
Interest Rate |
5.750% |
NO |
Monthly Principal & Interest |
$2,405.33 |
NO |
Does the loan have these features? |
||
Prepayment Penalty |
NO
|
|
Balloon Payment |
NO |
Projected Payments |
|||||||||||||
Payment Calculation |
Years 1-15 |
Years |
|||||||||||
Payment Calculation |
$2,405.33 |
$__ |
|||||||||||
Mortgage Insurance |
+ 202 |
+ __ |
|||||||||||
Estimate Escrow |
+ 520 |
+ __ |
|||||||||||
Estimated Total |
$3,127.33 |
$__ |
|||||||||||
Estimated Taxes, Insurance |
|
||||||||||||
Costs at Closing |
||
Estimated Closing Costs |
$18,933 |
Includes $15,129 in Loan Costs + $3,804 in Other Costs – $0.00 in Lender Credits. See page 2 for details. |
Estimated Cash to Close |
$16,326 |
Includes Closing Costs. See Calculating Cash to Close on page 2 for details. |
Projected Payments |
||
A. Origination Charges |
$6,059 |
|
2.100 % of Loan Amount (Points) |
$5,884 |
|
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 |
$1,869 |
|
Homeowner’s Insurance Premium ( 12 months) |
$1,832 |
|
Mortgage Insurance Premium ( months) |
||
Prepaid Interest ($35.20/day for 1 days @ 4.375%) |
$37 |
|
PropertyTaxes ( months) |
||
B. Services You Cannot Shop For |
$6,283 |
|
Appraisal Fee |
$670 |
|
Credit Report |
$56 |
|
Contract Processing Fee |
$500 |
|
Flood Certification |
$6 |
|
Tax Service Fee |
$69 |
|
Up-Front Mortgage Insurance Premium |
$4,982 |
|
G. Initial Escrow Payment at Closing |
$1,560 |
|
Homeowner’s Insurance $152.67/month for 3 mo. |
$458 |
|
Mortgage Insurance per month for 0 mo. |
||
Property Taxes $367.26/month for 3 mo. |
$1,102 |
|
H. Other |
$250 |
|
HOA Transfer Fees |
$250 |
|
I. TOTAL OTHER COSTS(E+F+G+H) |
$3,804 |
|
C. Services You Can Shop For |
$2,787 |
|
Survey Fee |
$450 |
|
Title - Abstract/Title Search Fee |
$100 |
|
Title - Lender's Title Insurance |
$1,676 |
|
Title - Settlement/Escrow Fee |
$495 |
|
Title - Tax Certificate Fee |
$66 |
|
J. TOTAL CLOSING COSTS |
$18,933 |
|
D + I |
$18,933 |
|
Lender Credits |
||
Calculating Cash to Close |
||
Total Closing Costs (J) |
$18,933 |
|
Closing Costs Financed (Paid from your Loan Amount) |
-$4,982 |
|
Down Payment/Funds from Borrower |
$10,325 |
|
Deposit |
-$2,950 |
|
Funds for Borrower |
$0.00 |
|
Seller Credits |
-$5,000 |
|
Adjustments and Other Credits |
$0.00 |
|
Estimated Cash to Close |
$16,326 |
|
D. TOTAL LOAN COSTS (A + B + C) |
$15,129 |
|
Joan was great, very transparent, and got me almost a percent lower with less money out of pocket than what my builder's lender was offering! Highly recommend
Thank you Mr. Joan for the excellent job getting us approved. My wife and I are very pleased with Clear Lending and the staff. From application to closing it has been a smooth process. I am happy I decided to apply after reading all the good reviews. I will recommend your company to anyone seeking a hard working loan officer and real estate agent.
We are very happy with the service provided by Joan, Patricia and Elena. They were patient with us and explained all the process step by step. I highly recommend Clear Lending, they answered all our questions, and never rushed us to do anything. Great service!
