James B. Nutter and Company - Conventional Mortgages

James B Nutter and Associates Borrower's Toolbox

A True No Cost Refinance allows the borrower to reduce their interest rate on their Conventional mortgage with NO CLOSING COSTS. At the time of application, James B. Nutter & Company will collect for the cost of an appraisal and credit report and then REIMBURSE THAT MONEY TO YOU AFTER CLOSING. The savings potential for you is enormous, and the program is a perfect fit for people wishing to lower their fixed rate, move from an adjustable rate to a fixed rate, or obtain cash-out.

Below is an example of our Good Faith Estimate of Loan Settlement Costs.

For a printable version of this document in PDF format, click here**.

JAMES B. NUTTER & COMPANY	ONLINE LENDING
1-800-HOME-REFI	4153 BROADWAY, KCMO 64111

Estimate of Loan Settlement Costs
This gives a "Good Faith Estimate" of many of the charges you will have to pay in connection with the settlement of your loan. The figures shown are estimates, are subject to change, and are computed based on sales price and proposed mortgage amount as stated on your loan application.
Name: John Q. Public Loan amount: Your Loan Amount Here
Property Address: 111 Nutter Drive Nutterville USA

ITEMS PAYABLE IN CONNECTION WITH LOAN
801 Origination Fee %	$
802 Loan Discount .%
803 Appraisal Fee*	200.00
804 Credit Report*	50.00
805 Lender's Inspection Fee
806 Mortgage Insurance Application Fee
807
808 Application Fee*
809
810 Underwriting Fee
811 Buydown Fee
812 Commitment Fee
813
814 JBN Messenger
815
901 Interest for 15 Days @ $18.861 per day	282.92*****
902 Mortgage Insurance Premium for months
904 One Time FHA Insurance Premium - MIP TO BE FINANCED
905 VA Funding Fee **
906 **
907
1101 Settlement or Closing Fee	250.00
1102 Abstract or Title Search
1103 Title Examination
1104 Title Insurance Binder
1105 Document Preparation
1106 Notary Fees
1107 Attorney's Fees
1108 Title Insurance	640.00
1111 Tax Service Contract Fee
1112 Amortization Schedule
1113
1114
1201 Recording Fees	25.00
1202 FED EX ENDORSEMENTS	150.00
1203 Mortgage Registration Tax
1204
1301 Mortgage Title Inspection / Survey
Flood Certification	22.00
Termite Inspection
JAMES B. NUTTER PAYS TOTAL. ***** (EXCLUDING ANY INTEREST) Total:	$ 1,619.92

The above Good Faith Estimate of Loan Settlement Costs are made pursuant to the requirements of the Real Estate Settlement Procedures Act (RESPA). These figures are only estimates and the actual charges due at settlement may be different.
This form does not cover all items you will be required to pay in cash at settlement, for example, deposits in escrow for real estate taxes and insurance. You may wish to inquire as to the amount of other such items. You may also be required to pay other additional amounts at settlement.
The actual portion of the costs listed above to be paid by the buyer is determined by the contract of sale.

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