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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.

JUMBO Mortgage Rates

SALES PRICE: $3,750,000
LOAN TERM: 30 years
PRODUCT: Fixed Rate

Loan Terms

Can this amount increase after closing?

Loan Amount

$3,000,000

NO

Interest Rate

5.750%

NO

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

$17,507.19

NO

Does the loan have these features?

Prepayment Penalty

NO

Balloon Payment

NO

Projected Payments

Payment Calculation

Years 1-30

Years

Payment Calculation

$17,507.19

$__

Mortgage Insurance

 +

__

 +

__

Estimate Escrow
Amount can increase over time

 +

6,795

 +

__

Estimated Total
Monthly Payment

$24,302.19

$__

Estimated Taxes, Insurance
& Assessments
Amount can increase over time

$6,795
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

$97,983

Includes $61,110 in Loan Costs + $36,873 in Other Costs – $0 in Lender Credits. See page 2 for details.

Estimated Cash to Close

$810,843

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

Closing Cost Details

Projected Payments

A. Origination Charges

$36,025

1.198 % of Loan Amount (Points)

$35,940

Document Review Fee

$85

Other Costs

E. Taxes and Other Government Fees

$125

Recording Fees and Other Taxes

$125

Transfer Taxes

F. Prepaids

$16,013

Homeowner’s Insurance Premium ( 12 months)

$15,540

Mortgage Insurance Premium ( months)

Prepaid Interest ( $473 / day for 1 days @ 5.750%)

$473

PropertyTaxes ( months)

B. Services You Cannot Shop For

$3,438

Appraisal Fee

$2,500

Contract Processing Fee

$500

Credit Report

$44

Document Preparation Fee

$300

Flood Certification

$15

Tax Service Fee

$79

G. Initial Escrow Payment at Closing

$20,385

Homeowner’s Insurance $1,295 per month for 3 mo.

$3,885

Mortgage Insurance per month for 0 mo.

Property Taxes $1,200 per month for 3 mo.

$16,500

H. Other

$350

HOA Transfer Fees

Title - Owner's Title Insurance

$250
$100

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

$36,873

C. Services You Can Shop For

$21,647

Survey Fee

$2,000

Title - Lender's Title Insurance

$19,231

Title - Settlement/Escrow Fee

$350

Title - Tax Certificate Fee

$66





J. TOTAL CLOSING COSTS

$97,983

D + I

$97,983

Lender Credits

Calculating Cash to Close

Total Closing Costs (J)

$97,983

Closing Costs Financed (Paid from your Loan Amount)

$0.00

Down Payment/Funds from Borrower

$750,000

Deposit

-$37,500

Funds for Borrower

$0

Seller Credits

$0.00

Adjustments and Other Credits

$0.00

Estimated Cash to Close

$810,483

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

$61,110

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:

  • Ronald Zulueta • Enero 03, 2020

    My first home...they are very helpful and kept in contact with me with any situation that can disrupt the loan. Fully knowledgeable with VA home loan.

  • Jackie Sullivan • Agosto 08, 2019

    FROM GOOGLE: I worked with Joan at Clear Lending. Joan worked not only as a lender but as a realtor showing me the houses. He communicated with me every step of the way and answered any questions I had. He was honest about the properties we looked at and was very helpful with suggestions for renovations I was interested in. He made suggestions for contractors after I closed on a house who offered fair prices and did exceptional work. Joan will go the extra step for you plus some and I would recommend him and Clear Lending to anyone who is interested in buying a new home. Joan is dedicated and will get the job done! He made my first home buying process enjoyable and easy. His honesty and hard work are appreciated! I have already recommended Joan to friends who have just started looking for new homes.

  • Soraya Guzman • Octubre 04, 2018

    My experience with Joan and the clear lending team has been amazing! Joan helped us greatly, with poor credit and a job loss he was able to get us a loan! He looked out for us when choosing a home he didn’t try to push us to buy a house and always did his research. He explained every step, made sure we understood, and was there at every hour to answer any questions we had. Even after the purchase he has followed up to make sure we have no issues with our home.If you’re looking to buy a house I definitely recommend Joan and the team!

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