Please see information at the bottom of this rate sheet for a list of our fees.
Current posted rates are in effect as of 07/14/2009 11:07:07 AM Central Time.
Rates are subject to change without notice.
| 4.875% | 0.875% | 5.046% | 30 |
| 5.000% | 0.375% | 5.128% | 30 |
| 5.125% | 0.000% | 5.220% | 30 |
| 5.250% | -0.375% | 5.312% | 30 |
| The APR is calculated using a loan amount of $200,000 and these typical fees. |
| 4.250% | 1.125% | 4.437% | 30 |
| 4.375% | 0.500% | 4.509% | 30 |
| 4.500% | 0.125% | 4.602% | 30 |
| 4.625% | -0.250% | 4.695% | 30 |
| The APR is calculated using a loan amount of $200,000 and these typical fees. |
Rates posted assume a $200,000 loan amount, 740 credit score, 70% Loan-to-Value and a No Cash Out Refinance. Please note that in today's industry, interest rates vary based on Credit Score, Loan-to-Value and for Cash-Out obtained. If you currently have a second mortgage and would be including it with your refinance, it is considered a Cash Out Refinance.
The fees associated with these rates are:
- $506.14 Appraisal Fee
- $35.66 Credit Report Fee
- $795.00 Underwriting Fee
- $60.00 Tax Service Fee
- $17.00 Wire Transfer Fee
- $12.00 Flood Certification Fee
- $6.95 MERS Registration Fee
- $295.00 Processing Fee
- $395.00 Administrative Fee
Total Fees = $2122.75
Please note these rates may often have points* associated with them. These points are also fees in addition to the fees listed above. If you see a negative percentage listed next to a rate; that is the percentage of your loan amount in closing cost credits given back to you by the lender.
For example: $200,000 loan with -0.375% Points would equal $750.00 in closing cost credits.
The fees listed are only lender and third party fees and do not include title/escrow fees, pre-paid interest, hazard insurance, mortgage insurance and property taxes. When you are rate and fee shopping, it is the lender, broker and third party fees you will need to pay attention to. These affect the APR (Annual Percentage Rate). Title/Escrow fees, pre-paid interest, hazard insurance, mortgage insurance and property taxes will be the same regardless of the company you choose to do business with.
To have a customized Good Faith Estimate, please contact our office at 963-2300 or email Corey Moser at cmoser@gmail.com. Please be prepared to provide information about:
- What are your current mortgage balances, interest rates and payments?
- What is the approximate value of your home?
- What is your credit rating?
- What are your annual property taxes and homeowner's insurance premiums?
*one point is one percent of your loan amount.
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