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Closing Cost Calculator
Definition: Closing costs are everything outside of the purchase price that a buyer pays to complete a real estate transaction. For a seller, closing costs are all the fees, except liens or encumbrances, that are deducted from the purchase price.

Fees range from those paid to title, escrow or lawyers; documentary transfer tax; city / county transfer or property taxes; credit reports; appraisal; recording or notary fees; real estate commissions; inspections; loan fees such as points and prepaid interest.

Fees that lenders consider "recurring" are those that are paid again and again such as property taxes or property insurance. Non-recurring fees are those that are paid once.

It is no secret the days of mortgage lenders giving out easy money are over. The near collapse of the mortgage industry took care of that. There were many lessons to learn from the disaster, but one of the biggest is to educate yourself as much as possible regarding mortgage loans. This is true regardless of whether you are a first time buyer, deciding between a fixed rate or adjustable mortgage or just looking to refinance.

During the application process, the subject home will undergo a new appraisal to determine its value, and the homeowner's credit file will be reviewed. The lender will also order a title report on the property to search for any other liens that may appear. Assuming all these items meet with the lender's approval, the loan will be approved.

Once approved, the homeowner will meet to sign the new mortgage. The proceeds of the new loan will be used to pay off the old first mortgage as well as any additional mortgages and liens on the property. Accordingly, the only mortgage showing on the home after the refinance will be the new loan itself.

 

 

 What Loan Is Best For Me?

 

Home Loan Application

Please take a moment and fill out the information requested on our "short form" application and submit. Although this server is secure, we do not ask for you to provide your Social Security Number, Date Of Birth, Ethnicity, or any other potentially risky personal information. A highly experienced mortgage professional will contact you to complete this information. We are sorry for any inconvenience this causes, but your financial safety is our number one priority. We look forward to assisting you.

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