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: | $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 |
$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 |
+ $832.00 |
+ __ |
|||||||||||
Estimated Total |
$3,422.24 |
$ |
|||||||||||
Estimated Taxes, Insurance |
|
||||||||||||
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. |
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 |
|
Sr. Joan Gallardo gracias por su dedicacion y paciencia con nuestro proceso. No fue facil y tras ser denegados por nuestro propio banco (todavia no lo puedo creer) contacte a clear lending y desde el primer dia me dijeron que si hacia lo que me decian podria comprar casa. Y asi ha sido! Gracias Sr. Joan por su amabilidad y extrema paciencia. Que Dios le bendiga.
Joan, and his team help my family get into our house. They helped with our credit score when a bank would not approve us I Would highly recommend them.
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!
