{"id":4826,"date":"2015-06-24T16:28:58","date_gmt":"2015-06-24T16:28:58","guid":{"rendered":"http:\/\/gohome.fastforwardstories.com\/?p=4826"},"modified":"2015-06-24T16:28:58","modified_gmt":"2015-06-24T16:28:58","slug":"understanding-your-loan-estimate-other-costs","status":"publish","type":"post","link":"https:\/\/cloud03.titletapsites.com\/newdesign2\/understanding-your-loan-estimate-other-costs\/","title":{"rendered":"Understanding Your Loan Estimate: Other Costs"},"content":{"rendered":"<div class=\"wistia_responsive_padding\" style=\"padding:56.25% 0 28px 0;position:relative;\">\n<div class=\"wistia_responsive_wrapper\" style=\"height:100%;left:0;position:absolute;top:0;width:100%;\"><iframe loading=\"lazy\" src=\"https:\/\/fast.wistia.net\/embed\/iframe\/93bhjy2bv9?dnt=1&#038;videoFoam=true\" title=\"Wistia video player\" allowtransparency=\"true\" frameborder=\"0\" scrolling=\"no\" class=\"wistia_embed\" name=\"wistia_embed\" allowfullscreen mozallowfullscreen webkitallowfullscreen oallowfullscreen msallowfullscreen width=\"100%\" height=\"100%\"><\/iframe><\/div>\n<\/div>\n<p><script src=\"https:\/\/fast.wistia.net\/assets\/external\/E-v1.js\" async><\/script><\/p>\n<p>Real estate transactions require taxes, certain pre-payments, and escrow funding.<\/p>\n<p><span style=\"text-decoration: underline\">Recording fees<\/span> are charged by government agencies for keeping legal ownership records, while \u201ctransfer taxes\u201d may be imposed by states, counties and municipalities on real estate ownership transfers.<\/p>\n<p><span style=\"text-decoration: underline\">Prepayments<\/span> may include homeowner\u2019s insurance premiums on the property mortgage insurance, if required property taxes for a period of months in advance, and prepaid interest, typically for the period from closing to the first mortgage payment.<\/p>\n<p><span style=\"text-decoration: underline\">Escrow funding<\/span> may also be required against future annual charges for homeowners insurance, mortgage insurance and property taxes.<\/p>\n<p>Title insurance on YOUR legal ownership &#8211; \u201c<span style=\"text-decoration: underline\">Owner\u2019s Title Policy<\/span>\u201d &#8211; may be designated as optional, which only indicates that it is not required by this creditor.<\/p>\n<p>Some of these \u201cOther Costs\u201d may vary substantially between Loan Estimate and Closing Disclosure ask your lender about the tolerance rules or watch the video \u201cCould My Loan Cost Exceed The Loan Estimate?\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Real estate transactions require taxes, certain pre-payments, and escrow funding. Recording fees are charged by government agencies for keeping legal ownership records, while \u201ctransfer taxes\u201d may be imposed by states, counties and municipalities on real estate ownership transfers. Prepayments may include homeowner\u2019s insurance premiums on the property mortgage insurance, if required property taxes for a&hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[14],"tags":[],"class_list":["post-4826","post","type-post","status-publish","format-standard","hentry","category-trid"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Understanding Your Loan Estimate: Other Costs - New Design 2<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cloud03.titletapsites.com\/newdesign2\/understanding-your-loan-estimate-other-costs\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Understanding Your Loan Estimate: Other Costs - New Design 2\" \/>\n<meta property=\"og:description\" content=\"Real estate transactions require taxes, certain pre-payments, and escrow funding. 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