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Primer Comprador, Rural y Veteranos
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Para mejorar su puntaje de credito...
Con tan solo...
530 Credito!!!
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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
Programa para extranjeros sin:
Residencia, Seguro Social o Ingresos en EEUU
| 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 |
$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 |
+ $510.00 |
+ __ |
|||||||||||
Estimated Total |
$2,191 |
$ |
|||||||||||
Estimated Taxes, Insurance |
|
||||||||||||
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. |
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 |
|
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.
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!
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!
