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

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 Mortgage Rates

SALES PRICE: $295,000
LOAN TERM: 30 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

$1,690.35

NO

Does the loan have these features?

Prepayment Penalty

NO

Balloon Payment

NO

Projected Payments

Payment Calculation

Years 1-30

Years

Payment Calculation

$1,690.35

$

Mortgage Insurance

+

202.00

+


Estimate Escrow
Amount can increase over time

+

520.00

+


Estimated Total
Monthly Payment

$2,412.35

$

Estimated Taxes, Insurance
& Assessments

Amount can increase over time

$520.00
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

$18,583

Includes $14,770 in Loan Costs + $3,813 in Other Costs – $0.00 in Lender Credits. See page 2 for details.

 
 

Estimated Cash to Close

$10,977

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

Closing Cost Details

Projected Payments

A. Origination Charges

$5,852

1.960 % Loan Origination (Points)

$5,677

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

$1,878

Homeowner’s Insurance Premium ( 12 months)

$1832

Mortgage Insurance Premium ( months)


Prepaid Interest ($46.26 / day for 1 days @ 5.75 %)

$46.26

PropertyTaxes ( months)


B. Services You Cannot Shop For

$6,276

Appraisal Fee

$670

Credit Report Fee

$50

Contract Processing Fee

$500

Flood Certification

$6

Tax Service Fee

$69

Up-Front Mortgage Insurance Premium

$4,981







G. Initial Escrow Payment at Closing

$1,560

Homeowner’s Insurance $152.67 per month for 3 mo.

$458

Mortgage Insurance per month for 0 mo.


Property Taxes $367.26 per month for 3 mo.

$1,102

H. Other

$250

HOA Transfer Fees

$250

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

$3,813

C. Services You Can Shop For

$2,642

Survey Fee

$450

Title - Lender's Title Insurance

$1676

Title - Settlement/Escrow Fee

$450

Title - Tax Certificate Fee

$66









J. TOTAL CLOSING COSTS

$18,583

D + I

$18,583

Lender Credits

Calculating Cash to Close

Total Closing Costs (J)

$18,585

Closing Costs Financed (Paid from your Loan Amount)

-$4,981

Down Payment/Funds from Borrower

$10,325

Deposit (1% of Purchase Contract)

-$2,950

Funds for Borrower

$0.00

Seller Credits

-$10,000

Adjustments and Other Credits

$0.00

Estimated Cash to Close

$10,979

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

$14,770

Cómo encontrar y comparar las tasas de interés de los préstamos hipotecarios...

 

El proceso de búsqueda de las mejores tasas de interés en Houston es, en muchas ocasiones, un trabajo complicado a tiempo completo.

Comprar una casa implica muchas decisiones complejas y, además de encontrar la casa adecuada, sería justo decir que la más importante es la tasa de interés del préstamo hipotecario. Es extremadamente importante asegurarse de que no pagaremos más intereses de los que deberíamos, con una tasa de interés mas baja durante el plazo de 15 o 30 años.

Considere el siguiente escenario hipotético que de ninguna manera es una oferta o extensión de crédito a 2 posibles tasas de interés diferentes, asumiendo que los costos de cierre son $0 y no hay seguro hipotecario. Ofrecimos $325,000 por la casa perfecta y el vendedor ha aceptado. Por lo tanto, los siguientes números,

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.

Pero encontrar las mejores tasas de interés en Houston no solo depende de encontrar el banco más barato, sino también de encontrar la mejor asociación para completar la compra de una casa. Clear Lending ofrece las mejores tasas de interés en Houston mediante la creación de asociaciones entre agentes de bienes raíces y agentes de préstamos donde se pueden obtener mejores tasas que la mayoría de los competidores sin la necesidad de perder tiempo buscando docenas de bancos y prestamistas.

Simplemente solicite ahora y comenzaremos la aprobación de su préstamo hipotecario con todas sus opciones para comparar.

 

Comentarios de clientes:

  • Olabisi Muakum • Julio 11, 2019

    FROM GOOGLE: AWESOME! AMAZING! EXPERIENCED! I can go on and on with adjectives to describe this guy! If you need a loan officer/realtor that you can trust, then Joan is the guy for you! I am a first time home buyer; I just got out of a complicated loan process and was very scared to go through another process of purchasing a home again until I met Joan. With Joan, buying a home was very simple and straight forward. He took his time to educate me about the loan process, and it allowed me to make informed decisions. I decided on the conventional loan, and he worked very hard to ensure that I got a loan with a meager interest rate. He kept me updated throughout and ensured that I understood everything. The entire process was super fast, and we closed the deal very early paying lower than I had expected for closing costs. I strongly recommend "Joan Gallardo of Clear lending" to anyone out there who is interested in buying a home. He saves you time, money, energy, and guides you through the process. You won't regret it!

  • Vianka Franco • Marzo 24, 2021

    Thanks Joan for helping us find our dream house and for making our loan possible. We were rejected by countless banks before and I am so appreciative because no one said the words you said first time: "Let's work your cases step by step and will buy a house". Thank you soooo much!!!

  • Hector Cueva • Junio 18, 2018

    After being denied by my credit union for a VA loan I search for someone local in the Houston area. I'm glad I found Joan, Jaqui and the whole team. They good people will take care of you never rush you in the process always guide you trough the whole process from getting a mortgage searching for a house to closing on the house. After four months of searching I'm a first time home buyer and the whole process was smooth even though I was outside of Houston, thanks to Joan and the team.

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