General

Purchase Owners

Mortgage Rate

 
Your Adjusted Origination Charges

1. Our Origination Charge

This charge is for getting this loan for you.

2. Your credit or charge (points) for the specific interest rate chosen

A Your Adjusted Origination Charges

 
Your Charges For All Other Settlement Services

3. Required Services That We Select

These charges are for services we require to complete your settlement.

We will choose the providers of these services.

Service Charge

4. Title service and lender's title insurance

This charge includes the services of a title or settlement agent, for example,
and title insurance to protect the lender, if required

5. Owner's title insurance

You may purchase an owner's title insurance policy to protect your interest in the property.

6. required services that you can shop for

These charges are for other services that are required to complete your settlement.
We can identify providers of these services or you can shop for them yourself.
Our estimates for providing these services are below.

Service Charge

7. Government recording charges

These charges are for state and local fees to record your loan and title documents

8. Transfer taxes

These charges are for state and local fees on mortgages and home sales

9. Initial deposit for your escrow account

This charge is held in an escrow account to pay future recurring charges on your property and includes:

10. Daily interest charges

This charge is for the daily interest on your loan from the day of your settlement until the first day of the next month or the first day of your normal mortgage payment cycle. This amount is $ per day for days (if your settlement is ).

11. Homeowner's insurance

This charge is for the insurance you must buy for the property to protect from a loss, such as fire.

Policy Charge

B Your Charges For All Other Settlement Services

A + B Total Estimated Settlement Charges

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