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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.

CONVENTIONAL Mortgage Rates

SALES PRICE: $600,000
LOAN TERM: 30 years
PRODUCT: Fixed Rate

Loan Terms

Can this amount increase after closing?

Loan Amount

$582,000

NO

Interest Rate

6.250%

NO

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

$3,583.47

NO

Does the loan have these features?

Prepayment Penalty

NO

Balloon Payment

NO

Projected Payments

Payment Calculation

Years 1-30

Years

Payment Calculation

$3,583.47

$__

Mortgage Insurance

 +

160.05

 +

__

Estimate Escrow
Amount can increase over time

 +

993

 +

__

Estimated Total
Monthly Payment

$4,736.52

$__

Estimated Taxes, Insurance
& Assessments
Amount can increase over time

$933
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

$17,277.81   

Includes $11,317.81 in Loan Costs + $5,973 in Other Costs – $0 in Lender Credits. See page 2 for details.

Estimated Cash to Close

$19,290.81

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

Closing Cost Details

Projected Payments

A. Origination Charges

$6,188.81

1.0333% of Loan Amount (Discount Points)

$6,013.81

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

$2,799

Homeowner’s Insurance Premium ( 12 months)

$2,700

Mortgage Insurance Premium ( months)

Prepaid Interest ( $99.66 / day for 1 days @ 6.250%)

$99.66

PropertyTaxes ( months)

B. Services You Cannot Shop For

$1,238

Appraisal Fee

$600

Contract Processing Fee

$500

Credit Report

$56

Flood Certification

$7

Tax Service Fee

$75


G. Initial Escrow Payment at Closing

$2,799

Homeowner’s Insurance $225 per month for 3 mo.

$675

Mortgage Insurance per month for 0 mo.

Property Taxes $708 per month for 3 mo.

$2,124

H. Other

$250

HOA Transfer Fees

$250

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

$5,973

C. Services You Can Shop For

$3,891

Survey Fee

$475

Title - Abstract/Title Search Fee

$100

Title - Lender's Title Insurance

$2,755

Title - Settlement/Escrow Fee

$495

Title - Tax Certificate Fee

$66



J. TOTAL CLOSING COSTS

$17,290.81

D + I

$17,290.81

Lender Credits

Calculating Cash to Close

Total Closing Costs (J)

$17,290.81

Closing Costs Financed (Paid from your Loan Amount)

$0.00

Down Payment/Funds from Borrower

$18,000

Deposit

-$6,000

Funds for Borrower

$0

Seller Credits

-$10,000

Adjustments and Other Credits

$0.00

Estimated Cash to Close

$19,290.81

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

$11,317.81

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:

  • Cassandra Cassandra • Junio 26, 2024

    Thank you, Joan & Patricia, for making my dreams come true as a first-time new homeowner. The hard work and communication through the process made my home buying easy experience. They have an exceptional team that works hand in hand and closed my loan on time!!! trusting and I learned so much from them during the process. I definitely refer Clear Lending and look forward to working with them again in the future!

  • 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.

  • Christian Perez • Octubre 03, 2020

    Joan was great, very transparent, and got me almost a percent lower with less money out of pocket than what my builder's lender was offering! Highly recommend

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