Financial Access, LLC "Property Ownership Within Reach" First and Second Mortgages · Purchases · Refinancing · Home Equity Loans · Lines of Credit Ph: 267-382-0690 Toll Free: 866-636-9300 · Licensed in Pennsylvania
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CONTACT US FOR SCENARIOS OR WITH QUESTIONS: First Name Last Name Email Phone Best Time to Contact Morning Afternoon evening Type of Loan Purchase Refinance Invest. Prop. 2nd/Vac. Home Debt Consol. Cash/Other Credit Rating Excellent Good Average Fair Not Sure

What are my "Closing Costs"? One of the most common questions asked by loan applicants Financial Access, LLC makes the mortgage process easy because there is very little to no overhead cost that can be applied as a reduction towards your closing cost or a lower interest rate. Below you will find low, competitive fees that are part of your closing cost. You will also qualify for a $500 reduction at settlement towards your closing cost if you submit your request on line or call the office. If you are interested in purchasing a property, the closing cost is paid out of pocket at settlement or the seller can agree to assist a percentage of it. If you are interested in refinancing, you have an option to include the closing cost inside the loan or pay out of pocket at settlement. Brokers/lenders are required by law to disclose in writing, known as a Good Faith Estimate (GFE), your estimated closing costs and fees. Below is a brief summary of possible closing costs you might have to pay depending on the loan program you select to purchase a property or to refinance. Appraisal $225.00 - $350.00 Credit Report $0 - $35.00 Processing Fee $0 - $250.00 Escrow Deposit for taxes & insurance (not required at 80% financing and under for conforming programs) Taxes and insurance due from 2 to 12 months of annual real estate taxes & insurance. *** Transfer Taxes - Title fee Varies widely by municipality (Typically 1 to 1.5% of sales price) Title Company Closing Fee $0 - $300.00 Title Insurance (Lender's Policy) Pennsylvania regulated - Cost varies by loan amount or purchase price. *** Annual Homeowners Insurance Varies - $300.00 and up Broker Origination Fee 0% - 4% Notary/Title Fee $25.00 Recording Fees Varies widely depending on municipality. Generally between $50 and $150 Courier Fee - Title fee $15.00 - $75.00 depending on amount of packages Prepaid Interest Varies depending on the loan amount, interest rate and day of the month of settlement. Closing Protection Letter - Title fee $0 - $35.00    *** Purchases Only