Search the Community

please look over my numbers my closing cost seem really high I am so lost I might have duplicate charges listed. I am applying for a FHA VHDA loan with no money down but a second loan that covers my down payment. Initial loan amount:139,428.00 loan term:30yrs your initial interest rate:3.875% initial monthly amount owed for principal, interest, and any mortgage insurance:808.54 per month adjusted origination charges:2,205.30 charges for all other settlement services:8,317.67 Total Estimate Settlement Charges:10,522.97 appraisal fee:475.00 credit report fee 50.00 VHDA tax service fee:53050 flood certification fee:150.00 VOE FEE:30.00 wire FEE:25.00 mortgage insurance premium:2,398.03 title insurance and lender's title insurance:1234.14 owner's title insurance:589.43 government recording charge:100.00 transfer tax:1,837.25 initial deposit for your escrow account:546.32 daily interest charges:222.00 homeowners insurance:600.00 your charges for all other settlement services:8,317.67 total estimate settlement charges:10,522.97 Itemization of amount financed 139,428.00 loan amount 5,487.33 prepaid finance charge --------------------- 133,940.67 Origination points: 1370.30 flood certification fee 7.00 IRS transcript fee:20.00 VOE fee:30.00 underwriting fee:695.00 VHDA reservation fee:120.00 wire fee:25.00 daily interest 14.80 day 222.00 upfront MIP to others:2,398.03 attorney fee:600.00 total prepaid finance charge:5,487.33 appraisal fee:475.00 credit report 50.00 tax service:53.50 final inspection fee:150.00 home owners insurance:600.00 homeowners insurance 2 months @ 50.00:100.00 mortgage insurance 0 months @ 152.90 per month: property tax 4 months@ 161.58 per month:646.32 aggregate adjustment:-200.00 owners title insurance:589.43 lenders title insurance:459.14 title examination fee:175.00 deed:100.00 city tax stamp:701.00 state tax stamp:1,136.25

Hi I'm new to this forum and wonder which bank or financial institution is using Equifax for used car loan. Im asking because my EQ is perfect not like Experian where i have 2 charge offs and score of 630 low limit util; 3% EQ 738 util: 3% low card limit clean record one installment from 2007 paid on time

Okay I have a collection that is scheduled to fall off in Nov of this year. My lender keeps bringing this up she said that even though its coming off it is still my responsibility. The bill is for 633.00 hospital bill and this bill hurts every time I see it on my credit report. To make a long story short my son went to the children hospital in my area ER, they didn't find anything wrong. A week later he went back to the ER for the same issue and was admitted. Because they did not discover this issue the first time he has to live with a condition for the rest of his life. My insurance would not pay for 2 ER visits in the same month. Every time I see this collection I'm almost in tears, it just brings up bad memories. The way my son was treated the last thing that I want to do is pay this bill. I am already doing Whychat program but this lender sounds like she wants it paid even if it falls off. I am no where near closing I have not even found a house yet so I really don't understand this lender is this normal? ps:sorry if this is in the wrong place