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Closing Costs
These are various fees associated with buying or selling a home. Buyers and
sellers both pay closing costs but who pays what costs varies from area to area.
| Description |
Conforming |
Jumbo |
| Appraisal |
See Notes |
See Notes |
| Credit Report |
Included |
Included |
| Underwriting |
Included |
Included |
| Tax Service |
Included |
Included |
| Doc Prep. |
Included |
Included |
| Processing |
Included |
Included |
| Courier |
Included |
Included |
| Survey |
Included |
Included |
| Flood Cert. |
Included |
Included |
| Title Fees . |
Included |
Included |
| Escrow Fees. |
Included |
Included |
| Recording Fees. |
Included |
Included |
| Administration Fee |
$999.00 |
$999.00 |
| Total |
$2,299.00 |
$2,299.00 |
| Optima
Special Offer |
$695.00* |
$995.00* |
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Closing
Costs Specials!
Act Now with these Special
Closing Cost Offers!
| Conforming |
Jumbo |
| Loan Amount $150,000 - $322,000. (for refinances $175,000.00 - 322,700.00) |
Loan Amount is $322,700
- $650,000 |
| Must Be in 15YR or 30YR
Fixed Programs |
Must Be in 15YR or 30YR
Fixed Programs |
| Must Be Purchase or Refinance |
Must Be Purchase or Refinance |
| No Cash Out |
No Cash Out |
| FICO Score Must Be 680+ (for refinances $720+) |
FICO Score Must Be 720+ |
| Owner Occupied |
Owner Occupied |
| See notes and comments below |
See notes and comments below |
| Loan must
meet the following conditions to qualify for
the Special Closing Cost Offers. |
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*
Note:
Optima Capital Corp. guarantees its fees, but it
can not warrant third party cost for escrow,
title, attorney, insurance and other fees.
ALL COST INCLUDED except for Appraisal fees.
Appraisal cost vary due to the location, size
and value of the property.
On refinances borrower will pay for loan payoff
cost charged by current lender on existing
loans. These cost may include reconveyance
fee, demand fee and other charges.
All rates, fees, and programs are subject
to change without notice.
FNMA guidelines have changed for refinances
above 70% LTV that involve payoff of equity
lines of credit and seconds. These loans may
be considered cash out even though borrower
does not receive any cash at closing. |
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