BREAKDOWN OF GUARANTEED CLOSING COSTS

BREAKDOWN OF GUARANTEED CLOSING COSTS

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Examples of non-recurring closing costs (excludes Net Points, Property Taxes, Accrued Interest and/or Home Owner's Insurance) for a typical owner occupied refinance.

CONFORMING $417,000  •  HIGH BALANCE CONFORMING $625,500  •  JUMBO $625,600+

Lender Origination Set Fee:	$1000
Credit Processing fee:	$21
Appraisal fee	$435 **Jumbo Appraisal Pricing quotes are $850-$1,250 plus a Field Review Fee for loan amounts               over $1.5 million. Please call for clarification**
Recording fee	$75       Cost may vary per County Recorder
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Total A =	$1531 +
Total B =	$_______ (see below chart)
Total C =	$_______ (see below chart)

If you are closing a loan with Net Rebate Credit Points you must reduce the closing costs accordingly, conversely if you are closing a loan with Net Points you must add that % charge by your loan amount to calculateTotal Costs = C.

Please now select your loan amount from the following chart:

Loan Amount	Total A +	Total B	= Total C*
$100,001-$250,000	$1531	$860	$2391
$250,001-$450,000	$1531	$1080	$2611
$450,001-$650,000	$1531	$1410	$2941
$650,001-$850,000	$1531	$1685	$3216 **If applicable, add $415 Jumbo Appraisal Pricing difference
$850,001-$1,000,000	$1946	$1905	$3851 **Based on $850 Appraisal Fee
$1,000,001-$1,500,000	$2346	$2235	$4581 **Based on $1250 Appraisal Fee
$1,500,001-$2,000,000	$2596	$2675	$5271 **Based on $1500 Appraisal Fee

*Costs may vary due to the type of property, location, and/or appraised value.

PURCHASE borrower's should verify costs with their own Realtor, Escrow & Title Agents. Please promptly provide Loans4Less.com with an itemized Estimated HUD 1 Settlement Statement worksheet covering both the Buyer and the Seller's closing costs. Please verify charges for: Escrow Closing Agent, Title Insurance Policy, Property Inspection, Pest Control, Home Owner's Liability Insurance, City Transfer Taxes, Property Taxes prorations and/or other charges, if any, with your Real Estate and Escrow Agents.

Other Fees that can apply:
$150 Subordination fee (Cost may vary according to your junior lien holder).
$100 Homeowners Associate PUD/CONDO Certificate (costs may vary).

THE ABOVE COSTS ARE GUARANTEED. THE INTEREST RATE AND NET POINTS ARE GUARANTEED IF THE RATE IS LOCKED IN AND YOUR LOAN FUNDS BY THE LOCK EXPIRATION DATE.
The amounts listed represent typical closing costs paid for standard Conforming and Jumbo loans. However, there may be additional closing costs that could apply to your particular loan program. For example, appraisal costs may vary according to property value, type and location.

CALIFORNIA ESCROW & TITLE INCLUSIVE REFINANCE CLOSING COST PACKAGE:
Loans4Less has arranged for a very competitive centralized Escrow & Title all-inclusive refinance closing cost package offered through First American Title Insurance Company. This is available on refinance loans up to $10 million for California one-to-four unit owner occupied residential properties.

THE FOLLOWING SETTLEMENT COSTS INCLUDE:
First American Eagle title insurance policy, customarily issued endorsements, escrow services, up to 4 wire transfers, 1 electronic document download, local messenger deliveries (excluding special messenger), up to 4 overnight (letter size or equivalent) mail services, preparation of 1 document, 1 subordination and signature services. It's all that a borrower generally needs to close a typical refinance transaction.

TYPICAL CHARGES THAT ARE NOT INCLUDED:
[Not limited to]: Recording fees, transfer taxes and/or any other governmental fees or charges.

CALIFORNIA REDUCED REFINANCE CLOSING COST PACKAGE:
*Includes a $25 fee to email the closing package to the notary service for same day signing.