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Hi. We are in a process of refinancing our home with a new borrower on the loan. We are buying out my brother who is the original borrower and taking a refi cash out to pay off his share.. countrywide is charging us $21,537 to lock the rate of 4.75% for the loan of $510,000 for which $91,000 is the cash out. Is this fee reasonable or too high.
First of all most lenders don't charge to lock a mortgage interest rate. I would immediately ask my mortgage broker or lender for a Good Faith Estimate (GFE) and a Truth In Lending (TIL) document to determine what these charges and fees were. You might also ask the escrow closing agent to provide you with a estimate HUD-1 closing statement. If you do not understand either of those documents once you get them, whom ever you got the document from would need to explain each item on the document they provided. Each of the documents you need to ask for should say the exact same thing and the cost of the loan should be the same on each of the above documents It appears as if you are being charged 4 points for the loan origination or perhaps this might include other fees that I am unaware of. If the fees are too high or not depends on what they are and your credit score. Therefore I can not tell you if they are or not unless I see what the charges are for. I am sure they include escrow closing cost, title fees, recording fees and possible points someone charged for doing the loan on your behalf. I hope this has been of some use to you, good luck. "FIGHT ON"
What percent are they charging for the rate? Our loan is $482K 4.5% interest with 2 points. The closing costs including points are close to $13K. So it sounds a little high. We also live in Hawaii. washington loan.. Wells Fargo This isn't a refi, though. It's a regular home loan
Confident they could lock a cost for you, that's what you pay them for. i do no longer assume you may innovations in the event that they locked a cost and day after today expenditures rose .5% could you? It is going the two techniques, as a broking provider you attempt to do the suited on your shopper. As for the Fed reducing expenditures, that has no longer something to do including your 30 year fixed as those are pushed by bond expenditures, it may desire to at last result your HELOC cost yet it extremely is possibly no longer something you will see at cutting-edge. No you do no longer could desire to pay each and all of the expenses different than possibly the appraisal cost (which you are going to use) and the credit reoprt cost.
That seems quite high. Is that including or part of the closing costs? Do you live in washington or NY? washington and washington have additional mortgage closing costs listed on the HUD that can get quite high on large mortgages.
I think that is way too high. Goto bankrate or check other banks and see what they offer.
That's insane - it would take you forever to recoup that cost