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Loan Officer Steve Gray Lender Wells Fargo Home Mortgage Logo
Mortgage Information Contact:

Steve Gray

NMLSR ID 453592
Wells Fargo Home Mortgage
 http://grayloanteam.com
 steve.gray@wellsfargo.com
5901 Dirac St - San Diego, CA
Primary Property Photo
$1,550,000
3
2 Full
1964
1491
$1,550,000
3
2 Full
1964
1491
Property Presented by:

Michael Frey

CA DRE Lic.#: 02069869
Berkshire Hathaway HomeServices California Properties
 MichaelFrey@bhhscal.com
http://MikeFreyRE.com
Real Estate Agent Michael Frey
Ask Michael a Question
Property Presented by:
Michael Frey
CA DRE Lic.#: 02069869
Berkshire Hathaway HomeServices California Properties
 (619) 997-1626
 (858) 330-1242 (M)
 MichaelFrey@bhhscal.com
 http://MikeFreyRE.com
Real Estate Agent Michael Frey
Ask Michael a Question
Mortgage Payments | Have a Question?
The payments shown assume an Asking Price of $1,550,000 with a Down Payment of $310,000 and a Loan Amount of $1,240,000
  Your actual rate, payment and costs could be higher. Get an official Loan Estimate before choosing a loan. Rates shown are based on a credit score of 780. We're here to help. Contact a home mortgage consultant to learn more.
   

30-Year Fixed-Rate Jumbo

10/6-Month ARM Jumbo

 Loan Amount: $1,240,000$1,240,000
 Down Payment: $310,000$310,000
   Term (Months): 360360
   Interest Rate: 6.250%5.875%
   APR: 6.357%6.635%
   Points: 0.6250.875
   Closing Costs:
   (Includes est. prepaid expenses) 		$18,910$22,010
Total Monthly Payment*:
   consisting of: 		$9,335$9,035
   Property Taxes: $1,550$1,550
   Homeowners Insurance: $150$150
   HOA/Dues/Fees: $0$0
   PMI: $0$0
   Principal & Interest: $7,635$7,335
Projected Payments Detail: 10/6-Month ARM Jumbo: $7,335 at 5.875% in Years 1-10, and $8,490 at 7.750% in Years 11-30 (APR: 6.635%) 
TRID Info Icon Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan. See page two for more disclosures.
TRID Info Icon Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan. See page two for more disclosures.
Loan Officer Steve Gray

Steve Gray

NMLSR ID 453592
Home Mortgage Consultant
WIM Mortgage Group
Wells Fargo Home Mortgage
 steve.gray@wellsfargo.com
http://grayloanteam.com
Ask Steve a Question
Rates, terms, and fees as of 10/13/2024 11:06 PM Eastern Daylight Time and subject to change without notice.

General Disclosures

  • We based the mortgage interest rates shown on a 30-day rate lock period. Under certain circumstances, a 30-day rate lock may not be available. Learn more about your rate lock options and costs.
  • Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval.
  • The amounts provided above for Estimated Total Closing Costs, taxes and insurance are estimations based on the state selected. This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs and monthly payment on your specific loan transaction may vary, and may include city, county or other additional fees and costs.
  • Assumes 20 days per diem interest.
  • The loan options shown in your results are based on information you have provided, and are displayed as a convenience for comparison purposes. In many cases, additional products, programs and loan features may be available. Contact us to find out about other options that may be available to you.
  • Based on the property value information you provided, you may be subject to additional appraisal and valuation requirements and higher appraisal fees.
  • There may be tax advantages to paying discount points on a purchase of a home. (Consult your tax advisor for information regarding deductibility of points).
  • The annual percentage rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.
  • Proof of insurance is required prior to closing. At closing, we may require you to deposit tax, insurance and other applicable escrow reserves with us. These reserves may vary from the estimates provided and may include a cushion for future payments. In addition, if the real estate taxes on the property are due within 60 days after your closing date, the taxes due must be paid at closing.

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Adjustable Rate Mortgages (ARMs)

  • Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure.
  • For conforming and jumbo ARM interest rates, your new mortgage rate at adjustment will be based on an industry-determined index rate added to a Wells Fargo margin. You'll receive specific index and margin information during the application process.

 

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