Breakdown of Guaranteed Non-Recurring Closing Costs for Refinance

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NET BASE RATE PRICING CALCULATOR - california Change States

TO CALCULATE YOUR NET CLOSING COSTS, PLEASE ENTER:


CLICK HERE FOR DISCLOSURE OF LOAN TERMS

Examples of Non-Recurring Closing Costs excludes Accrued Interest, Property Taxes, Home Owner's Insurance and Recording Fees For A Typical Owner Occupied, Rate & Term Refinance 60% LTV.

1 UNIT - CONFORMING $510,400 • HIGH BALANCE CONFORMING $765,600 • JUMBO $765,700

Lender Admin Fee: $1095 **
Origination Fee: INCLUDED IN RATE GRID PRICING
Credit Report: $47 ** Joint Applicants
Appraisal Report: $545 ** Base Fee. Property Inspection Waiver can apply **
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Total A = $1687+
Total B = Escrow/Title Fees $_______ see below chart
Total C = Estimated Non-Recurring Costs $_______ see below chart
THE FOLLOWING CHART REFLECTS ITEMS A - D ON THE LOAN ESTIMATE. EXCLUDES RECORDING FEES.

Please now select your loan amount from the following chart:
Loan Amount Total A + Total B = Total C**
$100000 - $250000 $1687 $964 $2651 ** Lender Rebate Credit Can Reduce Costs.
$250001 - $500000 $1687 $1089 $2776 ** Lender Rebate Credit Can Reduce Costs.
$500001 - $750000 $1687 $1189 $2876 ** Lender Rebate Credit Can Reduce Costs.
$750001 - $1000000 $1687 $1289 $2976 ** Lender Rebate Credit Can Reduce Costs.
$1000001 - $1500000 $1687 $1739 $3426 ** Lender Rebate Credit Can Reduce Costs
$1500001 - $2000000 $1687 $1889 $3576 ** Lender Rebate Credit Can Reduce Costs
$2000001 - $3000000 $1687 $2134 $3821 ** Lender Rebate Credit Can Reduce Costs

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

Examples of Non-Recurring Closing Costs excludes Accrued Interest, Property Taxes, Home Owner's Insurance and Recording Fees For A Typical Owner Occupied, Rate & Term Refinance 60% LTV.

PURCHASE: 
Borrowers should verify Purchase Escrow & Title charges. Please provide us with an Estimated Settlement Statement covering both the Buyer's and Seller's closing costs.

REFINANCE: 
Closing costs are guaranteed if you close at WFG National Title Insurance & Escrow Company. Loans4Less.com is not affiliated with WFG National Title Insurance & Escrow Company. You may shop for other Title & Escrow service providers, however, you cannot shop for Appraisal or Credit Reports. An itemized Loan Estimate is provided at registration. When receiving a Lender Rebate Credit versus Closing Costs, be advised that any Excess Rebate Credit is applied to the Mortgage Principal Balance Reduction as stated on the Closing Disclosure and same will be credited to the first mortgage statement. 

OTHER FEES THAT MAY APPLY:
$375 Recording Fees
$250 Subordination Fee (Cost may vary according the junior lien holder). 
$195 Homeowners Association Questionnaire PUD/CONDO Certificate (costs may vary). 

THE INTEREST RATE AND COSTS ARE GUARANTEED IF THE RATE IS LOCKED AND YOUR LOAN FUNDS BY THE LOCK EXPIRATION DATE. 
The amounts listed represent typical closing costs for Conforming, High Balance and Jumbo loans. However, there may be additional costs that could apply to your particular situation. For example, appraisal costs or other credit risk assessments may vary according to the borrower, property value, type and/or location. 

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

DISCLAIMER

Loan programs are subject to certain factors such as the loan amount and availability. Unless and until your interest rate is locked in the [APR] Annual Percentage Rate and terms are subject to change without notice. This includes the note rate, points, rebates and/or closing costs. Rates and APR's may fluctuate or vary depending on loan parameters such as [LTV] Loan-To-Value, credit scoring, property type and/or occupancy. [ARM] Adjustable Rate Mortgage rates are subject to change and can increase during the loan term.

Rates and APR's assume No Impounds also referred to as an Escrow Trust Account for Property Taxes, Hazard Insurance and/or Mortgage Insurance, if applicable. Condo or PUD additional Association Fees apply. Please inquire about the benefits of Impound Trust Deposit Accounts.


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