Conforming Loans

Jumbo Loans

Closing Costs

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Closing Costs

These are various fees associated with buying or selling a home. Buyers and sellers both pay closing costs but who pays what costs varies from area to area.

Description	Conforming	Jumbo
Appraisal	See Notes	See Notes
Credit Report	Included	Included
Underwriting	Included	Included
Tax Service	Included	Included
Doc Prep.	Included	Included
Processing	Included	Included
Courier	Included	Included
Survey	Included	Included
Flood Cert.	Included	Included
Title Fees .	Included	Included
Escrow Fees.	Included	Included
Recording Fees.	Included	Included
Administration Fee	$999.00	$999.00
Total	$2,299.00	$2,299.00
Optima Special Offer	$695.00*	$995.00*

Closing Costs Specials!

Act Now with these Special Closing Cost Offers!

Conforming	Jumbo
Loan Amount $150,000 - $322,000. (for refinances $175,000.00 - 322,700.00)	Loan Amount is $322,700 - $650,000
Must Be in 15YR or 30YR Fixed Programs	Must Be in 15YR or 30YR Fixed Programs
Must Be Purchase or Refinance	Must Be Purchase or Refinance
No Cash Out	No Cash Out
FICO Score Must Be 680+ (for refinances $720+)	FICO Score Must Be 720+
Owner Occupied	Owner Occupied
See notes and comments below	See notes and comments below
Loan must meet the following conditions to qualify for the Special Closing Cost Offers.

* Note: Optima Capital Corp. guarantees its fees, but it can not warrant third party cost for escrow, title, attorney, insurance and other fees. ALL COST INCLUDED except for Appraisal fees.

Appraisal cost vary due to the location, size and value of the property.

On refinances borrower will pay for loan payoff cost charged by current lender on existing loans. These cost may include reconveyance fee, demand fee and other charges.

All rates, fees, and programs are subject to change without notice.

FNMA guidelines have changed for refinances above 70% LTV that involve payoff of equity lines of credit and seconds. These loans may be considered cash out even though borrower does not receive any cash at closing.