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VA Mortgage Rates

SALE PRICE: $350,000
LOAN TERM: 15 years
PRODUCT : Fixed Rate

Loan Terms

Can this amount increase after closing?

Loan Amount

$357,525

NO

Interest Rate

3.625%

NO

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

$2,577.89

NO

Does the loan have these features?

Prepayment Penalty

NO

Balloon Payment

NO

Projected Payments

Payment Calculation

Years 1-15

Years

Payment Calculation

$$2,577.89

$__

Mortgage Insurance

+

__

+

__

Estimate Escrow
Amount can increase over time

+

570

+

__

Estimated Total
Monthly Payment

$3,148

$__

Estimated Taxes, Insurance
& Assessments

Amount can increase over time

$570
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

$19,243

Includes $16,357 in Loan Costs + $2,886 in Other Costs – $0 in Lender Credits. See page 2 for details.

Estimated Cash to Close

$6,058

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

Closing Cost Details

Projected Payments

A. Origination Charges

$4,148

0.5 % of Loan Amount (Points)

$1,788

Document Review Fee

$85

Loan Origination Fee

$1,000

Transaction Fee

$575

Warehouse Fee

$700









Other Costs

E. Taxes and Other Government Fees

$125

Recording Fees and Other Taxes

$125

Transfer Taxes




F. Prepaids

$1,056

Homeowner’s Insurance Premium ( 12 months)

$1,020

Mortgage Insurance Premium ( months)


Prepaid Interest ( $35.51 per day for 1 days @ 3.625%)

$36

PropertyTaxes ( months)


B. Services You Cannot Shop For

$8,939

Appraisal Fee

$495

Contract Processing Fee

$500

Credit Report

$44

Document Preparation Fee

$300

Flood Certification

$6

Tax Service Fee

$69

VA Funding Fee

$7,525









G. Initial Escrow Payment at Closing

$1,530

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

$255

Mortgage Insurance per month for 0 mo.


Property Taxes $425 per month for 3 mo.

$1,275



H. Other

$175

HOA Transfer Fees

$175

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

$2,886

C. Services You Can Shop For

$3,270

Survey Fee

$406

Title - Lender's Title Insurance

$2,448

Title - Settlement/Escrow Fee

$350

Title - Tax Certificate Fee

$66









J. TOTAL CLOSING COSTS

$19,243

D + I

$19,243

Lender Credits


Calculating Cash to Close

Total Closing Costs (J)

$19,243

Closing Costs Financed (Paid from your Loan Amount)

-$7,525

Down Payment/Funds from Borrower

$0.00

Deposit

-$3,500

Funds for Borrower

$0.00

Seller Credits

-$2,160

Adjustments and Other Credits

$0.00

Estimated Cash to Close

$6,058.00

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

$16,357

Valoraciones de Clientes:

  • Samantha Villarreal • January 25, 2018

    Joan Gallardo, Elena, and the rest of the team at Clear Lending really impressed me from the beginning! They are the most honest, ethical, humble, and hardworking team I have ever come across. They are the true experts in the home mortgage/ lending industry. I met Joan after being jerked around by Quicken Loans for 2 months. Quicken tried to screw me over so bad with fees thinking I was not going to read any documents. They are pure scum! I was days away from closing when Quicken told me "Not everyone can afford a home". Then I called and spoke with Joan and within an hour, he told me that a home purchase was definitely doable. Being a first time home buyer, I was very nervous about the whole process, and more so having to go through it a second time. However, Joan worked tirelessly, like I've never seen before. He explained everything to me in detail and always answered when I called; something that is very important in my eyes. There was never any gimmicks, just truth. He was always optimistic even when I was down and feeling hopeless. The exceptional service that Joan and Clear Lending provided me was just beyond what words can explain. They definitely think of every single option before giving any glimpse of negativity. Clear Lending was able to get my debt to income approved and the bank to approve my loan; All in 1 month! One major hurdle that Joan assisted me with was with my employment. The day of my closing, I got word that I was laid off. I thought the deal was dead and I was going to lose all the money I had already put down. It was one of the worst possible things that could happen. I had given up! I had no hope! I could not close on that day, but Joan went as far as speaking with the bank, and seller's realtor to extend the contract. Once extended, I was blessed enough to find another job (same industry) the very next week and with a strong Verification of Employment, I was able to close on my home AND with a low interest rate that no one else can beat! I truly feel blessed to have worked with Joan and Clear Lending. Joan and the rest of the staff wholeheartedly care about their clients. I would not think twice about referring Joan and Clear Lending to anyone. I will forever remember the hard work and dedication Joan provided to me. With gratitude and so much appreciation, I want to thank everyone at Clear Lending. I am officially a home owner! And it's all because of your outstanding work ethic.

  • Barbara Smethers • May 15, 2013

    Joan,

    Thank you so very much!!! I'm still in a state of shock and disbelief... I really did not expect to close on this deal...You & Eleana have been wonderful and I'm so grateful for all you did to guide me through this entire adventure. I hope to meet you face-to-face someday.

    Barbara

  • Roy & Denita Hawkins • July 19, 2017

    Joan and Clear Lending were a blessing for our family! Prior to working with Joan, I ran into one brick wall after another with financial institutions that simply judged me based on a "credit score" without taking into account any contributing factors beyond my control. Fortunately for us, we met Joan. He was able to do something that up until that point seemed impossible...approval for a home purchase! He worked long hours and showed great patience. We have been in our new home purchase a little over two months and we owe Joan a great deal of credit. I recommend anyone who is interested in purchasing a home to give Joan a call before you give up. If it can be done he is the guy to make it happen! I have already referred a family member and they are excited. Thanks, Joan!

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