What hidden fees are there in mortgages?
What, aside from principal and interest, might I be paying for every month to live in a house?
Mortgage
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Property taxes, PMI, homeowners insurance.
Don’t forget water, sewer, garbage, gas/electric, yard maintenance, etc.
there are plenty of fees when you get a mortgage but they arent hidden. your payment will stay the same unless you get an adjustable mortgage. and then it will adjust. the third party fees from titel and escrow usually total around 2k and plan on paying a broker around 1% of the amount of your loan.
Better than the realtors getting paid 6%!
There aren’t any hidden fee’s.
they spell everything out to you.
They hypnotize you and take your head in their hand
and move your head up and down, and tell you to say yes.
The only one that I’ve run into, is a supplemental income tax
and that’s not stated at closing sometimes.
Then they have bonds, this is all depending on where you live.
Some Cities have a flat fee for water……they attach your sewer, water treatment and water, then they start charging you for the
good stuff and bill you every 2 months.
Call the city and see if they have after purchases taxes. Meaning things that they don’t know about at the title company and they really don’t want to know about to tell you.
they do have taxes in your city that are just plain implicated, just
because yo live there, after you pay taxes on top of taxes.
Like when you call 911 to many times etc.
There will be no other monthly fees, other that what you know, than utilities, taxes & insurance and perhaps cost of maintenance after closing.
As far as obtaining a loan, there are a MULTITUDE of hidden/junk fees associated with a loan. They would include:
Processing fee
Underwriting fee
Document preparation fee
Settlement fee (if in addition to “Escrow Fee”)
Lender’s attorney fee
Affiliate consulting fee
Bank inspection fee
Signup fee
Amortization fee
Messenger fee
Funding fee (In addition to “Loan Origination Fee)
Document review fee
Photograph fee
Translation fee
Administrative fee
Assumption fee
Lenders inspection fee
Application fee
These are all ways that the lender makes money on the amount of money you borrow. Most are unneccessary & are only a way of them making money at your expense. Sometimes a lender with a low rate will charge these fees as a means of making money since your rate is low. Shop rates & ask for a “Good Faith Estimate” to also shop the “fees” associated to borrowing the money.