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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:

  • Armeris Tamayo • Diciembre 20, 2019

    Hello to all those people who follow closely Clear lending Houston tx. First, tell them not to be afraid to make a decision and approach to seeking information. I know that for many they think that buying a house is a big problem or a tedious process, I also thought the same thing but I can not tell you that since I arrived at the clear lending office where I was well received, I already knew that I was part of the big family that is clear lending for good attention the positive environment and where you breathe airs of achievement. I can also tell you that the professionalism and knowledge of these people make this long process less heavy and more enjoyable. When there are people who know what they are doing, they make the processes easier, I say so because not only is it I want such a house or another. I tell them that no, throughout this process it is where you start to find what you want, you learn from several tips that are provided by a great agent that is Joan thanks to his knowledge and his advice I managed to get the house that I did not think to have. Regardless of thinking about my budget and my possibilities, your help was very important for my final decision, achieving this great dream.

  • Aaron Nina • Mayo 29, 2021

    As first-time home buyers, we are absolutely happy with Clear Lending. Joan worked very hard at getting all the paperwork done and getting us into our dream home. Thank you very much for your hard work. If you are a first-time homebuyer, we would definitely recommend using Clear Lending.

  • Samecia Lawrence • Febrero 23, 2019

    FROM GOOGLE: We were first time buyers and did not know how much work it was when purchasing a new home but Joan went above and beyond to get us into our dream home. He educated us on the process, kept us up to date with our account, made himself available day or night if we had questions and was very patient with us. He made an experience that can be tiresome as smooth as possible. Our family is forever grateful for all his hard work and we will definitely refer him and this company to our friends looking to purchase a new home.

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