refinance with BoA for primary home @ 2.75%, 30 yrs, loan amount

FYI: closing cost more than $7000 looks high, but anyway, reduce the monthly payment 

A. Origination Charges $1,861.12
01 0.848% of Loan Amount (Points) $1,221.12
02 Lender Origination Fee $640.00

B. Services Borrower Did Not Shop For $1,810.75
01 Credit Report Fee to CoreLogic Credco $30.00
02 Flood Certification Fee to CoreLogic Flood Services, LLC $3.75
03 Life of Loan Flood Monitoring to CoreLogic Flood Services, LLC $8.00
04 Tax Service Fee to Corelogic Tax Services llc $79.00
05 Title – ALTA 5 Endorsement to Wfg National Title Company $32.00
06 Title – ALTA 8.1 Endorsement to Wfg National Title Company $32.00
07 Title – ALTA 9 Endorsement to Wfg National Title Company $250.00
08 Title – Closing/Escrow Fee to Wfg National Title Company $350.00
09 Title – Lender's Title Insurance to Closing Insight $1,026.00
10
C. Services Borrower Did Shop For

D. TOTAL LOAN COSTS (Borrower-Paid) $3,671.87
Loan Costs Subtotals (A + B + C) $3,641.87 $30.00
Other Costs
E. Taxes and Other Government Fees $90.00
01 Recording Fees Deed: Mortgage: $90.00 $90.00
02
F. Prepaids $2,272.85
01 Homeowner's Insurance Premium ( mo.) 
02 Mortgage Insurance Premium ( mo.)
03 Prepaid Interest ($10.36 per day from 11/8/21 to 12/1/21) $238.28
04 Property Taxes (12 mo.)  $2,034.57
05
G. Initial Escrow Payment at Closing $1,298.02
01 Homeowner's Insurance $93.58 per month for 7 mo. $655.06
02 Mortgage Insurance per month for mo.
03 Property Taxes $339.10 per month for 4 mo. $1,356.40

08 Aggregate Adjustment $-713.44
H. Other

I. TOTAL OTHER COSTS (Borrower-Paid) $3,660.87
Other Costs Subtotals (E + F + G + H) $3,660.87
J. TOTAL CLOSING COSTS (Borrower-Paid) $7,332.74
Closing Costs Subtotals (D + I) $7,302.74 $30.00
Lender Credits

$136,000 payoff

所有跟帖： 

• 多少loan？ -米奇的厨房- ♂ (0 bytes) () 10/26/2021 postreply 09:11:27

• total $144,000 (including everything) -sleepbird- ♂ (0 bytes) () 10/26/2021 postreply 09:11:58

• 不错啊 -米奇的厨房- ♂ (0 bytes) () 10/26/2021 postreply 09:13:11

• 我觉得费用有点高，看你现有利息是多少，如相差不多，不值得Refi -DJGO_SF1996- ♀ (0 bytes) () 10/26/2021 postreply 10:09:00

• previous rate is 4% -sleepbird- ♂ (0 bytes) () 10/26/2021 postreply 10:33:14

• 144000*(4-2.75)% = 1800 -柠檬椰子汁- ♂ (72 bytes) () 10/26/2021 postreply 11:17:31

• Thank you! I don't need to pay mortgage until Jan. -sleepbird- ♂ (136 bytes) () 10/26/2021 postreply 11:27:47

• You are not saving any money. -柠檬椰子汁- ♂ (328 bytes) () 10/26/2021 postreply 11:33:44

• 你实际的Loan Cost是$3700。这个Loan Amount $144K，有点太小。不知道你的LTV是多少？既然花了这个费 -xunde- ♂ (88 bytes) () 10/26/2021 postreply 10:11:14

• Thank you for the advice. It is a primary home. Now I don't want -sleepbird- ♂ (0 bytes) () 10/26/2021 postreply 10:34:27

• 太貴了。真的找不到zero cost loan嗎？ -wlwt123- ♂ (0 bytes) () 10/26/2021 postreply 16:34:00