I received the following estimate from a potential lender. They seem to be offering among the best rates (3.75%) for 30-year fixed with 0% down. They've been great to work with so far but I just wanted to make sure none of these fees seemed outrageous. Obviously the prepaying property taxes isn't a big issue and the per diem interest will vary based on what time of the month I close.
Also, are there any other major costs I should look out for?
Thank you!!!
APPLICATION FEE $995.00
APPRAISAL FEE $580.00.
CREDIT REPORT FEE - JOINT $36.80
FLOOD CERTIFICATE FEE $7.50
MTG ELECTRONIC REGISTRY SYSTEM $11.95
TAX SERVICE FEE $80.81
TITLE - DOC PREPARATION FEE $65.00
TITLE - ENDORSEMENT FEE $379.80
TITLE - LENDER TITLE INSURANCE $1,798.00
TITLE - SEARCH/ABSTRACT FEE $150.00
TITLE - SETTLEMENT CLOSING FEE $512.00
RECORDING FEE FOR DEED $195.00
RECORDING FEE FOR MORTGAGE $200.50
TAX STAMP FOR COUNTY MORTGAGE $4,400.00
PER DIEM INTEREST ($45.21 per day from 6/7/19 to 7/1/19) $1,085.04
HAZARD INSURANCE (1 months @ $100.00 per month) $100.00
SCHOOL PROPERTY TAXES (12 months @ $805.57 per month) $9,666.84
TOWN PROPERTY TAX (9 months @ $273.53 per month) $2,461.77
AGGREGATE ADJUSTMENT $-2,561.81
TITLE - OWNER TITLE INSURANCE $563.00
Also, are there any other major costs I should look out for?
Thank you!!!
APPLICATION FEE $995.00
APPRAISAL FEE $580.00.
CREDIT REPORT FEE - JOINT $36.80
FLOOD CERTIFICATE FEE $7.50
MTG ELECTRONIC REGISTRY SYSTEM $11.95
TAX SERVICE FEE $80.81
TITLE - DOC PREPARATION FEE $65.00
TITLE - ENDORSEMENT FEE $379.80
TITLE - LENDER TITLE INSURANCE $1,798.00
TITLE - SEARCH/ABSTRACT FEE $150.00
TITLE - SETTLEMENT CLOSING FEE $512.00
RECORDING FEE FOR DEED $195.00
RECORDING FEE FOR MORTGAGE $200.50
TAX STAMP FOR COUNTY MORTGAGE $4,400.00
PER DIEM INTEREST ($45.21 per day from 6/7/19 to 7/1/19) $1,085.04
HAZARD INSURANCE (1 months @ $100.00 per month) $100.00
SCHOOL PROPERTY TAXES (12 months @ $805.57 per month) $9,666.84
TOWN PROPERTY TAX (9 months @ $273.53 per month) $2,461.77
AGGREGATE ADJUSTMENT $-2,561.81
TITLE - OWNER TITLE INSURANCE $563.00
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