*If you find this content valuable, consider referring family, friends, or colleagues in need. Please allow at least 5-10s for rates to load. Often times the rate someone is quoted is higher than what was initially advertised. In this video, I yell at you and explain why that happens. NEWS & DATA Red = Total Housing Units Real-Time Proxies: Treasury Rates Corporate Rates Mortgage Rates US Equity Mkt Purple = Households as % of Housing Debt Owed by US Govt Track all markets on TradingView Total of All Checking/Savings Accts* Debt Owed by US Households Blue = Total Households Closing Costs Calculator Hide Calculator ▼ Purchase Price: Loan Amount: Transaction Type: Purchase - Financing Purchase - All Cash Refinance Listing Closing Date: Property Type: Primary Residence Secondary Residence Investment Business Loan Type: Conventional FHA VA State: CA TX TN Interest Rate (%): Adjustments & Credits Earnest Money Deposit: Other Adjustments: Seller Credit: Estimated Cash Required Total Cash-to-Close (with EMD): $0.00 Total Cash-to-Close (without EMD): $0.00 Expand All Sections Lender Fees $0 Points Broker Comp Underwriting Services Borrower Can Shop For $0 Appraisal Credit Report Processing Fee Tax Service Flood Cert Escrow & Title $0 Escrow Title Mobile Notary Loan Tie-In iA loan tie-in fee is an escrow charge covering administrative tasks required to integrate a new mortgage lender into a real estate transaction.• Lender Coordination: Ensures compliance with lender requirements.• Document Handling: Covers printing, submitting loan packages, and signatures.• Compliance: Addresses regulatory steps like disclosures. Sub-Escrow iRequired when title and escrow are separate entities.Definition 1: Title company charge for managing lender-specific tasks.Definition 2: Covers title company services coordinating with escrow/lender for payoffs, tax verification, and document recording. Endorsement i*Extra riders/coverage/additions on top of original title ins policyAdds specific protections to title insurance (e.g., zoning, boundary disputes). Optional but recommended for unique risks. Courier/Wire/Email i• Courier: Secure physical document delivery.• Wire: Electronic fund transfer.• Email: Digital document transmission. Messenger Fee iCovers physical delivery of documents (e.g., deeds, checks) between parties. Doc Prep iDrafting legal paperwork (e.g., deeds, mortgages). Recording Service Fee iCounty fees for recording deeds/trusts. Survey Fee iConfirming property boundaries. Other Recording Fees $0 Grant Deed iCost of recording change of ownership (read: title/deed) with the county. Trust Deed iCost of recording a deed of trust/mortgage against the property with the county. SB2 Affordable Housing Prepaids $0 Days Interest Homeowner's Insurance -40% +40% +20% Current Tax Installment Tax Rate: % Mortgage Insurance Impound Funding $0 HOI Cushion (3mo) Tax Cushion (3 + ratio) MI Cushion Other $0 HOA Dues Water Transfer Total Closing Costs: $0.00 Prepaids & Impounds: $0.00 Closing Costs & Prepaids: $0.00 Down Payment (Req'd): $0.00 EMD: $0.00 Other Adjustments: $0.00 Total Cash-to-Close: $0.00 Actual Seller Credit: $0.00 Max Seller Credit (Sales Price): $0.00 Max Seller Credit (Loan Amt): $0.00