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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 Tasas en Texas

SALES PRICE: $2,500,000
LOAN TERM: 30 years
PRODUCT: Fixed Rate

Loan Terms

Can this amount increase after closing?

Loan Amount

$2,000,000

NO

Interest Rate

6.000%

NO

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

$11,991.00

NO

Does the loan have these features?

Prepayment Penalty

NO

Balloon Payment

NO

Projected Payments

Payment Calculation

Years 1-30

Years

Payment Calculation

$11,991.00

$__

Mortgage Insurance

 +

__

 +

__

Estimate Escrow
Amount can increase over time

 +

$4,907

 +

__

Estimated Total
Monthly Payment

$16,898.00

$__

Estimated Taxes, Insurance
& Assessments
Amount can increase over time

$4,907
month

This estimate includes

In escrow?

Property Taxes

NO

Homeowner’s Insurance

NO

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

$56,475

Includes $40,011 in Loan Costs + 16,464 in Other Costs – $0 in Lender Credits. See page 2 for details.

Estimated Cash to Close

$531,475

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

Closing Cost Details

Projected Payments

A. Origination Charges

$20,085

1.198 % of Loan Amount (Points)

$20,000

Document Review Fee

$85

Other Costs

E. Taxes and Other Government Fees

$125

Recording Fees and Other Taxes

$125

Transfer Taxes

F. Prepaids

$15,889

Homeowner’s Insurance Premium ( 12 months)

$15,540

Mortgage Insurance Premium ( months)

Prepaid Interest ( $349.32 / day for 1 days @ 6.000%)

$349.32

PropertyTaxes ( months)

B. Services You Cannot Shop For

$3,444

Appraisal Fee

$2,500

Contract Processing Fee

$500

Credit Report

$44

Document Preparation Fee

$300

Flood Certification

$15

Tax Service Fee

$85

G. Initial Escrow Payment at Closing

$0.00

Homeowner’s Insurance $1,295 per month for 0 mo.

$0.00

Mortgage Insurance per month for 0 mo.

Property Taxes $3,612 per month for 0 mo.

$0.00

H. Other

$450

HOA Transfer Fees

Title - Owner's Title Insurance

$350

$250
$100

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

$16,464

C. Services You Can Shop For

$16,482

Survey Fee

$2,000

Title - Lender's Title Insurance

$13,847

Title - Settlement/Escrow Fee

$550

Title - Tax Certificate Fee

$85





J. TOTAL CLOSING COSTS

$56,475

D + I

$56,475

Lender Credits

Calculating Cash to Close

Total Closing Costs (J)

$56,475

Closing Costs Financed (Paid from your Loan Amount)

$0.00

Down Payment/Funds from Borrower

$500,000

Deposit

-$25,000

Funds for Borrower

$0

Seller Credits

$0.00

Adjustments and Other Credits

$0.00

Estimated Cash to Close

$531,475

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

$40,011

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:

  • Luis Teran • Enero 05, 2021

    As a DACA recipient and first-time home buyer, finding a team that was able to work with us seemed challenging. Luckily, I came across Clear Lending where Joan Gallardo and his team went above and beyond to help us through the process of home buying. Joan is very experienced and knowledgeable and was always there when we needed him, he was able to answer all our questions and gave us valuable advice. What I like most is that even after closing, he has been there for us when we have any other home-related questions or concerns, and am confident he will be there for us for years to come. I definitely recommend the services provided at Clear Lending to anyone looking to buy a home.

  • Stacie Killgore • Octubre 23, 2021

    OMG there are no words to express my gratitude for what you have done for me and my family. I wasnt sure you were even going to be able to help me but I gave a shot and I am sooooo grateful I found you. Anyone in need of a dedicated loan officer and team this is the place. Thank you guys so much. I will always be in debt to you. PD: Joan, Mark says the BBQ is coming soon!!! LOL

  • Gerardo & Brenda Olivares • Mayo 07, 2014

    Joan,

    Thank you SO much for all of your help! You were very patient with us and made sure we understood every step of the way. We never thought we would be able to find our perfect home this soon! We are still in shock how fast you’ve worked and how you were looking out for OUR best interests and not the other way around.

    Thank you for caring in what you do, it really makes a difference when you’re working with someone that really cares and enjoys what they do. Thanks again! We will definitely make sure to send anyone looking into a home your way!

    Gerardo & Brenda Olivares

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