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

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FHA Mortgage Rates

SALE PRICE: $205,000
LOAN TERM: 30 years
PRODUCT : Fixed Rate

Loan Terms

Can this amount increase after closing?

Loan Amount

$201,286

NO

Interest Rate

3.750%

NO

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

$932.19

NO

Does the loan have these features?

Prepayment Penalty

NO

Balloon Payment

NO

Projected Payments

Payment Calculation

Years 1-30

Years

Payment Calculation

$932.19

$

Mortgage Insurance

+

140

+


Estimate Escrow
Amount can increase over time

+

460

+


Estimated Total
Monthly Payment

$1,532

$

Estimated Taxes, Insurance
& Assessments

Amount can increase over time

$460
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

$10,813

Includes $7,468 in Loan Costs + $3,010 in Other Costs – $0.00 in Lender Credits. See page 2 for details.

Estimated Cash to Close

$7,111

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

Closing Cost Details

Projected Payments

A. Origination Charges

$803

0.153 % of Loan Amount (Points)

$308

Contract Processing Fee

$495













Other Costs

E. Taxes and Other Government Fees

$125

Recording Fees and Other Taxes

$125

Transfer Taxes




F. Prepaids

$1,330

Homeowner’s Insurance Premium ( 12 months)

$1020

Mortgage Insurance Premium ( months)


Prepaid Interest ( $20.68 per day for 1 days @ 3.750%)

$310

PropertyTaxes ( months)


B. Services You Cannot Shop For

$4,281

Appraisal Fee

$560

Credit Report Fee

$44

Document Preparation Fee - TX

$50

Flood Certification

$6

Funding Fee - TX

$100

Tax Service Fee

$69

Up-Front Mortgage Insurance Premium

$3462









G. Initial Escrow Payment at Closing

$1,380

Homeowner’s Insurance $85.00 per month for 3 mo.

$255

Mortgage Insurance per month for 0 mo.


Property Taxes $375 per month for 3 mo.

$1,125

H. Other

$175

HOA Transfer Fees

$175

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

$3,010

C. Services You Can Shop For

$2,384

Survey Fee

$406

Title - Lender's Title Insurance

$1562

Title - Settlement/Escrow Fee

$350

Title - Tax Certificate Fee

$66









J. TOTAL CLOSING COSTS

$10,478

D + I

$10,478

Lender Credits

Calculating Cash to Close

Total Closing Costs (J)

$10,478

Closing Costs Financed (Paid from your Loan Amount)

$0.00

Down Payment/Funds from Borrower

$0.00

Deposit

-$2,050

Funds for Borrower

$0.00

Seller Credits

-$1,317

Adjustments and Other Credits

$0.00

Estimated Cash to Close

$7,045

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

$7,468

Valoraciones de Clientes:

  • Vincent Bullen • July 10, 2017

    It was a pleasure to work with Joan and Elena at Clear Lending Mortgage. They guided us through the process step by step and were always available to answer questions. They worked with our situation, and made it possible for us to purchase our first home. I would recommend them without reservation.

  • Beatriz Gonzalez • September 08, 2015

    Buenísimo Loan Officer!!!!!!! SUPER RECOMENDADO, gracias por hacer lo imposible posible; gracias por todo tu tiempo, apoyo y consejos. Excelente persona siempre tratando de ayudar y hacer más fácil el proceso. Siempre al pendiente y tratando de encontrar la mejor opción. La verdad nunca pensé que nos prestaran el dinero para comprar la casa y Joan lo consiguió!!!!!! Gracias por todas tus atenciones. Saludos Beatriz Gonzalez.


  • Michelle Bautista • September 03, 2015

    I just want to take some time and thank Edgar, Joan, & Elena for helping my husband and I get our first home! They are by far the greatest team! Thanks to them our home loan went fast and easy. Once again thank you!!!

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