Programa para extranjeros sin:
Residencia, Seguro Social o Ingresos en EEUU
Todos Los Programas Del Gobierno
Primer Comprador, Rural y Veteranos
Pregunte sobre nuestro programa
Para mejorar su puntaje de credito...
Con tan solo...
500 Credito!!!
No se preocupe y someta una aplicacion
Nosostros le ayudaremos.
Contactenos para analizar su caso.
No se preocupe y someta una aplicacion
Nosostros le ayudaremos.
Préstamos hasta el 90% de financiacion
Para compras de hasta $830,000
Préstamos para Familias con ingresos moderados
0% de pago inicial - 100% de financiación
| SALES PRICE: | $180,000 |
| LOAN TERM: | 15 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 |
$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 |
+ 206 |
+ 206 |
|||||||||||
Estimated Total |
$1,050 |
$968 |
|||||||||||
Estimated Taxes, Insurance |
|
||||||||||||
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. |
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 |
|
Joan is the first loan officer we worked with, however, we were lucky we found him as we saved so much time. Although house presented some handicaps, he took care of everything. He knows what to do after so many years of experince. If you are planning to buy a house, I advise to submit a loan application and soon will enjoy your new home!
Thank you Joan for your time and efforts!
FROM GOOGLE: I wanted to thanks Mr.Joan and his staff for everything! Rolando and I are veryyy happy. Thank you for being so patient and for always be there and help us with our new home, Patricia is just the best also she was always there whenever I had any question, and they will always have an answer for it. Thanks again for everything.
Good afternoon Joan, thank you so much for all your hard work and patience during this journey. I know it was not easy but we made it. I hope God continues to use you to help make other people's dreams come true. You and your team have been a blessing to my family. Have a Merry Christmas and a most wonderful and prosperous New Year!!!!! Once again, Thank you and Best Regards Carolyn De Leon
