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Prepared for: John Leach Purchase Price Property Address: Annual Property Taxes: Annual Hazard Insurance:

$ $ $

300,000.00 Eugene 3,000.00 840.00

Purchase Cost Comparison

Program

30 Yr. Fixed

30 Yr. No Fee

30 Yr. No Cost

30 Yr. w/Points

Interest Rate:

6.375%

6.625%

6.875%

6.00%

Term in months: Loan Amount: $

360 200,000 $

360 200,000 $

360 200,000 $

360 200,000

Payment:

$1,567.74

$1,600.62

$1,633.86

$1,519.10

Principal and Interest Property Taxes Hazard Insurance Mortgage Insurance

$1,247.74 $250.00 $70.00 $0.00

$1,280.62 $250.00 $70.00 $0.00

$1,313.86 $250.00 $70.00 $0.00

$1,199.10 $250.00 $70.00 $0.00

Closing Costs:

$5,372.00

$3,372.00

$0.00

$7,372.00

Origination Fee Discount Points Appraisal: Processing Fee Title Insurance: Recording Fees: Escrow Fee: Wire/Courier Fee: Credit Report: Flood and Tax Registration: Document/Underwriting: Seller/Broker Credit

1.00% 0.00% $0.00 $550 $719 $150 $1,060 $100 $20 $78 $695 $0

0.00% 0.00% $0.00 $550 $719 $150 $1,060 $100 $20 $78 $695 $0

0.00% 0.00% $0.00 $550 $719 $150 $1,060 $100 $20 $78 $695 -$3,372

1.00% 1.00% $0.00 $550 $719 $150 $1,060 $100 $20 $78 $695 $0

Pre-Paid Expenses:

$4,003.97

$4,024.52

$4,045.07

$3,973.15

First year of fire insurance: $ Property Taxes: $ Pre-paid Interest for 15 days: $

980 $ 2,500 $ 524 $

980 $ 2,500 $ 545 $

980 $ 2,500 $ 565 $

980 2,500 493

Cash to Close $

109,376 $

107,397 $

104,045 $

111,345

The above figures are for illustration only. This document is not intended to be a loan commitment or a Good Faith Estimate. Upon receiving a completed loan package, the borrower(s) will receive both a truth in lending disclosure and a Good Faith Estimate (with the chance to lock/guarantee pricing). Other loan programs are available, please call for additional information.

To Apply Online, Click Here www.YourHomeLoanTeam.com

Purchase Loan Comparison  

Spreadsheet I use to show closing cost and rate options to clients.

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