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VA Mortgage Rates

SALE PRICE: $350,000
LOAN TERM: 30 years
PRODUCT : Fixed Rate

Loan Terms

Can this amount increase after closing?

Loan Amount

$357,525

NO

Interest Rate

3.875%

NO

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

$1,681.22

NO

Does the loan have these features?

Prepayment Penalty

NO

Balloon Payment

NO

Projected Payments

Payment Calculation

Years 1-30


Payment Calculation

$1,681.22

$

Mortgage Insurance

+

__

+

__

Estimate Escrow
Amount can increase over time

+

$510.00

+

__

Estimated Total
Monthly Payment

$2,191

$

Estimated Taxes, Insurance
& Assessments

Amount can increase over time

$510
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

$19,245

Includes $16,357 in Loan Costs + $2,888 in Other Costs – $0 in Lender Credits. See page 2 for details.

Estimated Cash to Close

$6,060

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

$1,058

Homeowner’s Insurance Premium ( 12 months)

$1,020

Mortgage Insurance Premium ( months)


Prepaid Interest ( $37.96 per day for 1 days @ 3.875%)

$38

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 Fee

$6

Tax Service Fee

$69

VA Funding Fee

$7,525









G. Initial Escrow Payment at Closing

$1,530

Homeowner’s Insurance $85 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)

$2,888

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

$19,245

D + I

$19,245

Lender Credits


Calculating Cash to Close

Total Closing Costs (J)

$19,245

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

$0.00

Adjustments and Other Credits

-$2,160

Estimated Cash to Close

$6,060

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

$16,357

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.

  • Rebecca Rose • November 04, 2015

    If you want a hard working loan officer Joan Gallardo is the one. Joan worked on our loan day and night plus he was always available whenever we had questions. I learned a lot from him about residential loans in the process. Thanks Joan!

  • Samantha Perez • July 31, 2017

    Joan was amazing! He explained everything in detail so that we knew exactly where our money was going at all times and was ALWAYS available for answering questions. We will definitely be using his services again!

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