리파이넨스 loan estimate 좀 봐주세요 ㅠㅠ 다른 렌더들이 red flag 래요

red flag.pdf

 

안녕하세요. 현재 4%, 발란스 202,0000 남아있습니다. 308 페이먼트 남았고, 다시 30년으로 진행중입니다. 

 

fannie mae 로 appraisal waived 되어서 모든 렌더들한테 적용되는걸로 알고있습니다. 

 

대부분 다른 은행들에서 2.75~3% 정도의 interest rate 과, 2000~2200 (A-C) closing cost 견적을 받았습니다. 

 

근데 첨부 되어있는 렌더로부터 2.74% 의 interest rate 과 1400 정도의 closing cost 의 견적을 받아서 lock 해놓은 상태입니다. 

 

다른 렌더들한테 beat 할수 있냐고 물어봤더니, 다들 red flag loan estimate 이라고 하네요. 어느 누가 저를 위해서 공짜로 리파이넨스를 해주냐 .. 나중에 비용이 더 추가 되서 다시 시작해야 될수도 있다는 등등 ... 

 

혹시 이대로 진행 하면 문제가 될것같나요 .. ? 혹시 아시는분 계시면 도움 좀 부탁드릴게요 흑흑 

 

미리 감사드립니다. 꾸벅 

 

Loan Amount $205,000 

Interest Rate 2.74%

Estimated Total Monthly Payment $835.81 

 

Estimated Closing Costs $5,329 Includes $1,463 in Loan Costs + $3,866 in Other Costs -$0 in Lender Credits (See page 2 for details) 

Estimated Cash to Close $2,364 Includes Closing Costs (See Calculating Cash to Close on page 2 for details. From To Borrower)

 

Loan Costs

 

A. Origination Charges $0

 

B. Services You Cannot Shop For $400

Condo Questionnaire $400

 

C. Services You Can Shop For $1,063

Title - Closing / Escrow Fee $395

Title - Closing Protection letter Fee $35

Title - Lenders Title Insurance Fee $438

Title - Title Search Fee $195

 

D. TOTAL LOAN COSTS (A + B + C) $1,463 Other Costs

 

E. Taxes and Other Government Fees $748

Recording Fees and Other Taxes $65 Transfer Taxes $683

 

F. Prepaids $246

Homeowner's Insurance Premium ( months) Mortgage Insurance Premium ( months) Prepaid Interest ( $15.39 per day for 16 days @2.74%) $246 Property Taxes ( months) G. Initial Escrow Payment at Closing $2,872 Homeowner's Insurance $208.33 per month for 6 mo. $1,250 Mortgage Insurance per month for mo. Property Taxes $270.25 per month for 6 mo. $1,622

 

H. Other $0

Title - Owners Title Insurance (Optional) $0

 

I. TOTAL OTHER COSTS (E + F + G + H) $3,866

 

J. TOTAL CLOSING COSTS $5,329 D + I $5,329 Lender Credits Calculating Cash to Close Loan Amount $205,000

 

Total Closing Costs (J) -$5,329

Estimated Total Payoffs and Payments -$202,035

Estimated Cash to Close From To Borrower $2,364

Estimated Closing Costs Financed (Paid from your Loan Amount) $2,965