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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.

FHA Rates

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
See Projected Payments below for your Estimated Total Monthly Payment

$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
Amount can increase over time

 +

520

 +

__

Estimated Total
Monthly Payment

$3,127.33

$__

Estimated Taxes, Insurance
& Assessments
Amount can increase over time

$520
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

$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.

Closing Cost 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

Finding and Comparing Home Loan Interest Rates ...

 

The process of finding the best interest rates in Houston is, in many cases, a complicated full-time job.

Buying a home involves many complex decisions, and in addition to finding the right home, it would be fair to say that the most important is the interest rate on the home loan. It is extremely important to make sure that we do not pay more interest than we should, with a lower interest rate over the 15 or 30 year term.

Consider the following hypothetical scenario that is in no way an offer or extension of credit at 2 possible different interest rates, assuming closing costs are $ 0 and there is no mortgage insurance. We offered $ 325,000 for the perfect home and the seller has accepted. Therefore, the following numbers,

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.

But finding the best interest rates in Houston depends not only on finding the cheapest bank, but also on finding the best partnership to complete your home purchase. Clear Lending offers the best interest rates in Houston by creating partnerships between real estate agents and loan officers where you can get better rates than most competitors without the need to waste time searching for dozens of banks and lenders.

Simply apply now and we'll begin your home loan approval with all of your options to compare.

 

Comentarios de clientes:

  • 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

  • Alfredo Diana • Junio 03, 2021

    Very helpful. They made sure to have our home by Christmas! Best gift ever! Helped us all the way. Recommend!! With being denied for my first loan since my husband has DACA, their DACA program for me the keys to my house!!!

  • Christian Perez • Septiembre 14, 2020

    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.

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