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Home Mortgage Features

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Home Mortgage Features to Consider

• Fixed Rate Mortgages, Adjustable Rate Mortgages, or Combination Rate Mortgages
• 10 year, 20 year, 30 year, or 40 year home mortgages
• Home Mortgage Rate
• Appraisal Fee
• Credit Report Fee
• Real Estate Agent Commission
• Origination Fee
• Loan Discount or Points: 1 point = 1% of amount being borrowed
• Settlement or Closing Fee
• Title Search Fee
• Title Insurance Costs
• Attorney's Fees: Some states require attorney's, some do not
• Property Taxes
• City, County and State Charges
• Property Survey
• Pest Inspection
• Flood Check Fee: If property is located in a flood zone
• Property Insurance: Required by home mortgage lender
• Private Mortgage Insurance (PMI): For home mortgages with low down payments

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