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Preguntas Sobre Préstamos
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INICIO / TASAS DE INTERÉS

Tasas de interés - HACER CLIC - Tarifas sujetas a cambios sin previo aviso

*Para conocer los términos y condiciones detallados de las tasas de estimación de préstamos que se anuncian aquí, navegue por esta página desde una versión de escritorio. Gracias.

VA Mortgage Rates

SALES PRICE: $464,900
LOAN TERM: 30 years
PRODUCT: Fixed Rate

Loan Terms

Can this amount increase after closing?

Loan Amount

$475,592

NO

Interest Rate

5.125%

NO

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

$2,589.24

NO

Does the loan have these features?

Prepayment Penalty

NO

Balloon Payment

NO

Projected Payments

Payment Calculation

Years 1-30


Payment Calculation

$2,589.24

$

Mortgage Insurance

 +

__

 +

__

Estimate Escrow
Amount can increase over time

 +

$832.00

 +

__

Estimated Total
Monthly Payment

$3,422.24

$

Estimated Taxes, Insurance
& Assessments
Amount can increase over time

$832
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

$27,823

Includes $22,774 in Loan Costs + $5,049 in Other Costs – $0.00 in Lender Credits. See page 2 for details.

 
 

Estimated Cash to Close

$6,481

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

Closing Cost Details

Projected Payments

A. Origination Charges

$6,814

1.396 % of Loan Amount (Discount Points)

$6,639

Lender Document Attorney Preparation Fee

$175


Other Costs

E. Taxes and Other Government Fees

$125

Recording Fees and Other Taxes

$125

Transfer Taxes

F. Prepaids

$2,253

Homeowner’s Insurance Premium ( 12 months)

$2,185

Mortgage Insurance Premium ( months)

Prepaid Interest ($67.71 / day for 1 days @ 5.125%)

$67.71

PropertyTaxes ( months)

B. Services You Cannot Shop For

$11,994

Appraisal Fee

$670

Contract Processing Fee

$500

Credit Report

$56

Flood Certification Fee

$6

Tax Service Fee

$69

VA Funding Fee

$10,693

G. Initial Escrow Payment at Closing

$2,496

Homeowner’s Insurance $182.09 / month for 3 mo.

$546

Mortgage Insurance per month for 0 mo.

Property Taxes $650 per month for 3 mo.

$1,950

H. Other

$175

HOA Transfer Fees

$175

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

$5,049

C. Services You Can Shop For

$3,966

Survey Fee

$450

Title - Abstract/Title Search Fee

$100

Title - Lender's Title Insurance

$2,855

Title - Settlement/Escrow Fee

$495

Title - Tax Certificate Fee

$66


J. TOTAL CLOSING COSTS

$27,823

D + I

$27,823

Lender Credits

Calculating Cash to Close

Total Closing Costs (J)

$27,823

Closing Costs Financed (Paid from your Loan Amount)

-$10,693

Down Payment/Funds from Borrower

$0.00

Deposit

-$4,649

Funds for Borrower

$0.00

Seller Credits

-$6,000

Adjustments and Other Credits

$0.00

Estimated Cash to Close

$6,481

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

$22,774

Cómo encontrar y comparar las tasas de interés de los préstamos hipotecarios...

 

El proceso de búsqueda de las mejores tasas de interés en Houston es, en muchas ocasiones, un trabajo complicado a tiempo completo.

Comprar una casa implica muchas decisiones complejas y, además de encontrar la casa adecuada, sería justo decir que la más importante es la tasa de interés del préstamo hipotecario. Es extremadamente importante asegurarse de que no pagaremos más intereses de los que deberíamos, con una tasa de interés mas baja durante el plazo de 15 o 30 años.

Considere el siguiente escenario hipotético que de ninguna manera es una oferta o extensión de crédito a 2 posibles tasas de interés diferentes, asumiendo que los costos de cierre son $0 y no hay seguro hipotecario. Ofrecimos $325,000 por la casa perfecta y el vendedor ha aceptado. Por lo tanto, los siguientes números,

Precio de compra: $325,000
Pago inicial: $16,250 (5%)
Monto del préstamo: $308,750
Opción 1 a 4.875% - Pago mensual: $1,633.93
Opción 2 a 4.625% - Pago mensual: $1,587.41

Si íbamos a cerrar la compra de dicha casa a una tasa de interés más alta de 4.875% y un pago de $1,633.93, el costo de oportunidad de no cerrar a la tasa más baja de 4.625% sería de $34,299.30. ¿Por qué? Porque si tuviéramos que elegir una tasa de interés más alta y, por lo tanto, un pago mensual más alto si se aplicara a una tasa más baja en una hipoteca a 30 años, aceleraríamos el plazo de nuestro préstamo en 21 pagos a $1,633.93 equivaldría a los $34,299.30. Y cualquier otro esfuerzo por pagar más aceleraría igualmente el pago de la nota.

Pero encontrar las mejores tasas de interés en Houston no solo depende de encontrar el banco más barato, sino también de encontrar la mejor asociación para completar la compra de una casa. Clear Lending ofrece las mejores tasas de interés en Houston mediante la creación de asociaciones entre agentes de bienes raíces y agentes de préstamos donde se pueden obtener mejores tasas que la mayoría de los competidores sin la necesidad de perder tiempo buscando docenas de bancos y prestamistas.

Simplemente solicite ahora y comenzaremos la aprobación de su préstamo hipotecario con todas sus opciones para comparar.

 

Comentarios de clientes:

  • Josue Rodriguez • Septiembre 26, 2018

    Great service!!!! this people really understand your needs and help you all the way until you close your house, they will tell you the true all the time and answer all your question, is the 3 house i buy and this have been with no doubs the best expirience i ever had, Ademas hablan espanol!!! (they speak spanish). so if you need a home loan DO NOT HESITATE IN CONTACT THIS PEOPLE, THEY ARE THE BEST!!!!!!!!!!!!!!!!!!!!!!!

  • Peter Molina • Julio 04, 2019

    FROM GOOGLE: I just want to thank Joan G. for an excellent job on our loan. This was our first home and the experience was great. He was very knowledgeable with all the different types of home loans. Joan explain the whole loan process clearly and how your credit works to get the loan. When it came to closing on the house all the paperwork was done properly with less stress on us. I would recommend using Joan G. at Clear Leading for your house and loans.

  • Taffin Lampis • Agosto 19, 2022

    One of my co-workers referred me to Joan Gallardo with Clear Lending. When I called him, he was in Spain. He proceeded to talk to me about my needs and concerns for a Home Equity Loan. He told me that someone from his office would be calling me. They did call me, that same day! Since then, I have been working with Jorge Balderas. He has been very helpful and always follows through with what he says and also follows up. I had talked with 3 other lenders before going to them and none of them gave me expertise service as Jorge has. My credit is not perfect, but I have worked hard after a divorce to get it where it is. I finally see a light at the end of the tunnel! Even if my loan does not get approved, I would highly recommend them. This is due to their expertise service, dedication to helping me, and professionalism.

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