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Sin Costos de Cierre "No Closing Costs"

Ahorre miles en costos de cierre

Ahorrar para un pago inicial y costos de cierre puede ser desafiante, especialmente para aquellos que adquieren su primera vivienda. Nuestra opción Sin Costos de Cierre reduce en gran medida la cantidad de dinero que necesita al cerrar porque cubrimos sus cargos a terceros y renunciamos a los cargos de originación del préstamo.17  Todavía tendrá un pago inicial, pero esta es una gran opción si desea llevar menos dinero al cierre. Su tasa de interés será ligeramente mayor, pero no tendrá cargos por anticipo de pago o restricciones ocultas.
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Beneficios de la cuenta

Terms & Fees
Available On Conventional Fixed Rate Purchase or Refinance, Construction, Jumbo
Terms 15 or 30 Years
Application Fees None
Pre-payment Penalties None
Origination Fee None

No Closing Costs Home Loan Interest Rates

Fecha disponible: agosto 03, 2020
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Término Interest Rate APR* Ejemplo de cantidad del préstamo Ejemplo de pago mensual
15 Años - Purchase 2.875% 3.019% $200,000 $1,369.17
15 Años - Refinanciamiento 3.000% 3.145% $200,000 $1,381.16
30 Años - Purchase 3.375% 3.455% $200,000 $884.19
30 Años - Refinanciamiento 3.500% 3.581% $200,000 $898.09
No Closing Costs Option: Certain restrictions apply.  Available on select purchase and refinance home loans. Must be primary residence. Rate adjustment will be applied to current rates. Rates subject to change. Example rates, loan amounts and monthy payments shown above are based on current 30-year Conventional Fixed Rate Loan; ask your SCCU representative for examples on other available No Closing Costs loan options.

You’ll still need to make your down payment, and pay reserves (including optional discount points, if you choose), but SCCU will cover your third-party charges and waive our loan origination fees.  Your down payment is determined by the Loan-to-Value ratio. (90% LTV = 10% down payment) Loans exceeding 80% of the appraised value of the home require private mortgage insurance. 

HOME LOANS:  Mortgage loans are originated by Space Coast Credit Union, and are subject to credit approval, verification and collateral evaluation. These mortgage loan programs constitute first mortgage liens secured by the home and property. Programs, offers, rates, terms, and conditions are subject to change or cancellation without notice. Certain restrictions apply.
 

Preguntas Frecuentes

A mortgage escrow account is established to hold "deposits" for items that will need to be paid at closing. These include things such as prepaid loan interest, and the first annual payments of property taxes and homeowner's insurance.
Throughout the year, a portion of each mortgage payment will be deposited into your mortgage escrow account to set aside money to pay property taxes and homeowner's insurance annually.