Do these Loan Details look right for FHA?

[JC Smith]

Hi BP!

JC again, thank you all for the help so far.

ANYWAYS here is the scoop, should I trust this Lender?

LOAN DETAILS AND MONTHLY PAYMENT OVERVIEW

LOAN DETAILS

MONTHLY PAYMENT ESTIMATE

Sales Price: (leave blank for refinance!)

$420,000

Principal and Interest:

$2,028.72

Down Payment (percentage) (leave blank for refinance!)

3.500%

Taxes ESTIMATED AT:

$420.00

Refinance Loan Amt (without UFMIP / Funding Fee):

Hazard Insurance ESTIMATED AT:

$100.00

Loan Amt (without UFMIP / Funding Fee):

$405,300

PMI/FHA Mortgage Insurance:

$455.96

UFMIP / Funding Fee PERCENTAGE:

1.750%

MI Factor

1.350%

UFMIP / Funding Fee DOLLAR AMOUNT:

$7,092.75

HOA Dues

Total Loan Amt (with UFMIP / Funding Fee):

$412,393

2nd Mortgage Principal and Interest

$0.00

Interest Rate:

4.250%

Loan Term (in months):

360

Value:

$420,000

TOTAL MONTHLY PAYMENT ESTIMATE:

$3,004.69

Loan to Value:

96.50%

Estimated Payoff

ESTIMATED FEES

ESTIMATED LOAN COSTS--BUYER

ESTIMATED PREPAID & ESCROW COSTS--BUYER (SEE NOTES BELOW)

ORIGINATION FEE

0.000%

$0.00

Per Diem Interest on New Loan

ASSUME

$48.02

LOAN DISCOUNT

0.000%

$0.00

(from the day of funding through month end). Amount will change depending on the actual close date.

@

5

DAYS

APPRAISAL (estimated)

$650.00

CREDIT REPORT

$21.00

ESTIMATED PER DIEM INTEREST:

240.09

ADMINISTRATION FEE

$995.00

Mortgage Insurance Premium

$1,200.00

PROCESSING FEE

Hazard Insurance Premium

DOCUMENT PREP FEE

(First year, estimated. The homeowner's insurance agent is your choice)

POSSIBLE APPRAISAL REVIEW

OTHER:

OTHER:

OTHER:

OTHER:

TOTAL ESTIMATED LOAN COSTS:

$1,666.00

TOTAL ESTIMATED PREPAIDS:

$1,440.09

TITLE/ESCROW ESTIMATED FEES:

FOR IMPOUNDS ("ESTIMATED NET FIGURE TO BE COLLECTED"):

SETTLEMENT/CLOSING

$2,000.00

HAZARD INSURANCE

3

months @

$100.00

TITLE INSURANCE (REISSUE FEE)

$800.00

=

$300.00

TITLE CO. ENDORSEMENTS

$100.00

MORTGAGE INSURANCE

months @

$455.96

RECORDING/FILING FEE

=

$0.00

TITLE CO COURIER

REAL ESTATE TAXES

6

months @

$420.00

TITLE CO DOC PREP/DOC FEE

=

$2,520.00

WIRE FEE

FLOOD INSURANCE

months @

NOTARY FEE

$200.00

=

$0.00

TRANSFER TAX

OTHER:

OTHER:

OTHER:

TOTAL ESTIMATED TITLE/ESCROW FEES:

$3,100.00

TOTAL ESTIMATED IMPOUNDS:

$2,820.00