成交费用的具体金额会有所不同. A home loan often involves many fees, such as the appraisal fee, title charges, closing fees, and state or local taxes. 这些费用因州而异，也因贷款人而异. Your Elements Mortgage Loan Originator will review all costs with you based on your specific loan amount, purchase price, and home value.
Third Party Fees
Third party fees are ones that we collect and pass on to the person who actually performed the service. These can include the appraisal fee, the credit report fee, the settlement or closing fee, the survey fee, tax service fees, title insurance fees, flood certification fees, and courier/mailing fees. For example, an appraiser is paid the appraisal fee, 信用报告费用由信用局支付, 产权公司或律师会支付产权保险费.
Taxes and Other Unavoidable Costs
These fees include state/local taxes and recording fees and will most likely have to be paid regardless of the lender you choose. If some lenders don't quote you fees that include taxes and other unavoidable fees, don't assume you won't have to pay it. It is possible that a lender who doesn't tell you about the fee hasn't done the research necessary to provide accurate closing costs.
Lender Fees
Lender fees such as points, document-preparation fees, and loan-processing fees are retained by the lender and are used to provide you with the lowest rates possible. This is the category of fees that you should compare very closely from lender to lender before making a decision. Elements对所有抵押贷款收取995美元的标准起始费.
For more information, call us at 1-800-561-9433.
