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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.

JUMBO Mortgage Rates

SALES PRICE: $3,750,000
LOAN TERM: 30 years
PRODUCT: Fixed Rate

Loan Terms

Can this amount increase after closing?

Loan Amount

$3,000,000

NO

Interest Rate

5.750%

NO

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

$17,507.19

NO

Does the loan have these features?

Prepayment Penalty

NO

Balloon Payment

NO

Projected Payments

Payment Calculation

Years 1-30

Years

Payment Calculation

$17,507.19

$__

Mortgage Insurance

 +

__

 +

__

Estimate Escrow
Amount can increase over time

 +

6,795

 +

__

Estimated Total
Monthly Payment

$24,302.19

$__

Estimated Taxes, Insurance
& Assessments
Amount can increase over time

$6,795
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

$97,983

Includes $61,110 in Loan Costs + $36,873 in Other Costs – $0 in Lender Credits. See page 2 for details.

Estimated Cash to Close

$810,843

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

Closing Cost Details

Projected Payments

A. Origination Charges

$36,025

1.198 % of Loan Amount (Points)

$35,940

Document Review Fee

$85

Other Costs

E. Taxes and Other Government Fees

$125

Recording Fees and Other Taxes

$125

Transfer Taxes

F. Prepaids

$16,013

Homeowner’s Insurance Premium ( 12 months)

$15,540

Mortgage Insurance Premium ( months)

Prepaid Interest ( $473 / day for 1 days @ 5.750%)

$473

PropertyTaxes ( months)

B. Services You Cannot Shop For

$3,438

Appraisal Fee

$2,500

Contract Processing Fee

$500

Credit Report

$44

Document Preparation Fee

$300

Flood Certification

$15

Tax Service Fee

$79

G. Initial Escrow Payment at Closing

$20,385

Homeowner’s Insurance $1,295 per month for 3 mo.

$3,885

Mortgage Insurance per month for 0 mo.

Property Taxes $1,200 per month for 3 mo.

$16,500

H. Other

$350

HOA Transfer Fees

Title - Owner's Title Insurance

$250
$100

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

$36,873

C. Services You Can Shop For

$21,647

Survey Fee

$2,000

Title - Lender's Title Insurance

$19,231

Title - Settlement/Escrow Fee

$350

Title - Tax Certificate Fee

$66





J. TOTAL CLOSING COSTS

$97,983

D + I

$97,983

Lender Credits

Calculating Cash to Close

Total Closing Costs (J)

$97,983

Closing Costs Financed (Paid from your Loan Amount)

$0.00

Down Payment/Funds from Borrower

$750,000

Deposit

-$37,500

Funds for Borrower

$0

Seller Credits

$0.00

Adjustments and Other Credits

$0.00

Estimated Cash to Close

$810,483

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

$61,110

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:

  • Maria Gonzalez • Diciembre 19, 2023

    I 'm first-time buyer, I was so excited and had so many questions and Joan, with his experience, gave me peace of mind. Joan and Patricia Thank you!! My dream of buying my own house is now a reality.

  • Miguel Barnal • Agosto 24, 2023

    Thanks Joan for you amazing work and even better interest rate. Anyone looking to buy a home I recommend this company. Very professional, knowledgeable, experienced and available professional. I like to equally thank Patricia for answering all my questions throughout the entire process. You guys rock!!!

  • Migdia Uribe • Marzo 04, 2019

    FROM GOOGLE: We are first time home owners, thanks to Joan and his team at Clear Lending. I may add his assistant Patricia A. was very pleasant to work with and very attentive. Our house hunting journey was painless, smooth, and actually quick. How quick… in 29 days we went from looking at 10 houses (in one day), we were serious about buying a house. Joan provided potential houses for us in the area we wanted and we did our homework in reviewing and narrowing it down to 10. From looking at different houses to the closing date, I can stay Joan was very much hands on through the whole process. My husband dealt with Joan primarily, but I could see how Joan was there for us. When we had questions at any given time, we could asked, he was always available and responsive. As first time home buyers we had lots of questions and Joan didn’t minimize our questions. Joan is very knowledgeable in his line of work, I can honestly say that. He always kept us informed of what was going on behind the scenes, so we felt at ease. Thanks to Joan, we were able to obtain a good low mortgage rate. Obtain a HOUSE, we are happy and thankful to call our own! My husband actually found Clear Lending online and we couldn’t believe the reviews, it sounded too good to be true. Take it from us, it’s true, we have experienced ourselves. We are thankful to Joan for his dedication, sincerity, knowledge, and guidance. Joan was truly a blessing for us. We would truly recommend Joan and his team at Clear Lending. God bless you Joan. Migdia

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