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

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USDA Mortgage Rates

SALE PRICE: $180,000
LOAN TERM: 30 years
PRODUCT : Fixed Rate

Loan Terms

Can this amount increase after closing?

Loan Amount

$162,000

NO

Interest Rate

3.875%

NO

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

$761.78

NO

Does the loan have these features?

Prepayment Penalty

NO • As high as $3,240 if you pay off the loan during the first 2 years

Balloon Payment

NO

Projected Payments

Payment Calculation

Years 1-7

Years 8-30

Payment Calculation

$761.78

$761.78

Mortgage Insurance

+

82

+

__

Estimate Escrow
Amount can increase over time

+

206

+

206

Estimated Total
Monthly Payment

$1,050

$968

Estimated Taxes, Insurance
& Assessments

Amount can increase over time

$206a
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

$8,054

Includes $5,672 in Loan Costs + $2,382 in Other Costs – $0 in Lender Credits. See page 2 for details.

Estimated Cash to Close

$16,054

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

Closing Cost Details

Projected Payments

A. Origination Charges

$1,802

.25 % of Loan Amount (Points)

$405

Application Fee

$300

Underwriting Fee

$1,097

Other Costs

E. Taxes and Other Government Fees

$85

Recording Fees and Other Taxes

$85

Transfer Taxes

F. Prepaids

$867

Homeowner’s Insurance Premium ( 6 months)

$605

Mortgage Insurance Premium ( months)

Prepaid Interest ( $17.44 per day for 15 days @ 3.875%)

$262

PropertyTaxes ( months)

B. Services You Cannot Shop For

$672

Appraisal Fee

$405

Credit Report Fee

$30

Flood Determination Fee

$20

Flood Monitoring Fee

$32

Tax Monitoring Fee

$75

Tax Status Research Fee

$110

G. Initial Escrow Payment at Closing

$413

Homeowner’s Insurance $100.83 per month for 23mo.

$202

Mortgage Insurance per month for 0 mo.

Property Taxes $105.30 per month for 2 mo.

$211

H. Other

$1,017

Title – Owner’s Title Policy (optional)

$1,017

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

$2,382

C. Services You Can Shop For

$3,198

Pest Inspection Fee

$135

Survey Fee

$65

Title – Insurance Binder

$700

Title – Lender’s Title Policy

$535

Title – Settlement Agent Fee

$502

Title – Title Search

$1,261

J. TOTAL CLOSING COSTS

$8,054

D + I

$8,054

Lender Credits

Calculating Cash to Close

Total Closing Costs (J)

$8,054

Closing Costs Financed (Paid from your Loan Amount)

$0

Down Payment/Funds from Borrower

$18,000

Deposit

-$10,000

Funds for Borrower

$0

Seller Credits

$0

Adjustments and Other Credits

$0

Estimated Cash to Close

$16,054

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

$5,672

Valoraciones de Clientes:

  • Zulma Y Carlos • May 14, 2016

    Gracias Sr. Gallardo por realizarnos nuestro sueno de tener nuestra propia casa, por asignarnos un buen realtor, apreciamos todo el tiempo que ud dedico para obtener el mejor de los creditos y el mejor interes para nosotros, pocas personas encontramos como ud. totalmente dedicado y enfocado a darnos el tiempo necesario en cualquier momento y hora, son una mortgage totalmente seria, nosotros lo recomendamos 100% Dios le bendiga siempre.

  • Rildon & Edis • May 04, 2017

    My wife and I had been trying to purchase a home for over two years and due to some other unforeseen issues we felt that that dream would never come true. I am grateful that we found Joan Gallardo with Clear Lending to make our dream come true. Joan was there every step of the way and two months after closing he is still there for us if we need anything or have any questions about our mortgage. Being first time buyers we were scared and nervous about the entire process but Joan made it as simple as possible and the whole experience was great. He gave us all the information we needed to make the home purchase that fit our needs and we could have not asked for a better mortgage lender. Our family is forever grateful for his hard and professionalism.

  • Daniel Guerrero • August 05, 2014

    Joan,

    I would like to take a few minutes to thank you and your team. Although we had some unforeseen issues and it was a bit rocky your team stayed focused on the task at hand. Thank you for all that you did. We officially completed the closing.

    Best Regards,

    Daniel Guerrero

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