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Updated 6 months ago on . Most recent reply

Jade Deguzman's profile image
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Jade Deguzman
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Private Lending & Conventional Mortgage Advice

Closing first vacation home mortgage - are these normal costs?

Jade Deguzman
Posted

We're doing the disclosures now and I was quite surprised at the 2.469% of Loan Amount (points) Origination charge which brings the total Origination charges to $16,500 (Property cost is 645K, 10% down). Our lender says that's normal because its a vacation home. 

Another big one would be $3367 in Lender's Title insurance. Just wondering if this is all normal? Thanks!

San Antonio, Texas
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Peter Walther
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Peter Walther
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Peter Walther
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I believe title insurance rates in Texas are promulgated by the state so the premium will probably be the same wherever you go.  Here's a link to a Texas title insurance premium calculator.  

Title Insurance Premium Calculator - Independence Title

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