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Sindeo is a lender-paid mortgage originator with 40+ lenders & 1,000+ loan programs to best meet your specific needs and goals.

Sindeo is a lender-paid mortgage originator with 40+ lenders & 1,000+ loan programs to best meet your specific needs and goals.

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A homeowner's association (HOA) is a private association formed by real estate developers for the purpose of marketing, managing, and selling homes and lots in a residential subdivision.

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For down payments under 20% of the property's purchase price you must pay for Private Mortgage Insurance. This insurance protects lenders against some or most of the losses that can occur if a borrower defaults on their mortgage loan.
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      Mortgage help

      Rate,Fees,APR: Make sense of Loan Pricing

      Interest Rate

      Your interest rate is what a lender charges you to borrow money. The rate is expressed as a percentage of the total loan amount (this is called the principal) and is used to CALCULATE your monthly mortgage payment. The interest rate you're quoted will vary based a lot of factors, some of the main ones being: the type of mortgage you choose, your total loan amount, the length of your term, your fnancial profle, and your credit history.

      Additional Fees

      The additional cost of your mortgage will include several fees that can vary from lender to lender.  While Sindeo does not charge you fees for its service because the lender pays us directly, expect to see an "origination, underwriting, or processing" fee from the lender, as well as third party costs such as appraisals, title services, escrow, and credit report.  Lenders are required to provide a Loan Estimate within 3 business days of receiving your mortgage application.  This includes an itemized list of fees, so review this closely and compare it to the Closing Disclosure's list of fees you'll receive just prior to closing.

      APR

      In theory, the annual percentage rate ("APR") is a good way to compare mortgage prices because it includes the rate, points, and fees in its assessment of a loan's cost. So, why can't you just compare APRs of different loans? Despite lenders being required by law to provide homebuyers with an APR, they do not always follow the same standard for calculation - so what's included (or left out) is up to the lender's discretion.

      More articles

      How Rising Interest Rates Affect Mortgages

      MARCH 15, 2017 BY DANIELA BAYON