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Designed by DHP


Good Faith Estimate < Home


À¶Àڽà µé¾î°¡´Â ºñ¿ë(Items Payable In Connection with Loan)

  • À¶ÀÚ ¼ö¼ö·á (Loan Origination Fee) ¨ç
  • ·Ð µð½ºÄ«¿îÆ®(Loan Discount) ¨è
  • ÁÖÅà °¨Á¤ºñ (Appraisal Fee) ¨é
  • Å©·¹µ÷ ¸®Æ÷Æ® (Credit Report Fee) ¨ê
  • Lender's Inspection Fee ¨ë
  • ¼­·ù ¼ö¼Óºñ (Processing Fee) ¨ì
  • À¶ÀÚ ½É»çºñ (Underwriting Fee) ¨í

¨ç Loan Origination Fee: ÁÖ·Î À¶Àڱݾ׿¡ ´ëÇÑ 1%°¡ µÇ¸ç À¶ÀÚºê·ÎÄ¿ ´ëÇàÀÎÀÌ À¶ÀÚ½ÅûÀο¡°Ô ºÎ°úÇÏ´Â ºñ¿ëÀÌ´Ù.
¨è Loan Discount: ParÀÇ ÀÌÀÚº¸´Ù ½Ñ ÀÌÀÚ¸¦ ¼Õ´ÔÀÌ »ç±â¸¦ ¿øÇÒ ¶§ ±× Â÷ÀÌ ¸¸Å­ÀÇ ºñ¿ëÀ» ÁöºÒÇϸç ÀÌÀÚ¸¦ »ì ¼ö ÀÖ´Â ºñ¿ëÀÌ´Ù.
¨é Appraisal Fee: Áý°¡°Ý ÃøÁ¤À» À§ÇØ Áý°¨Á¤ Àü¹®È¸»ç¿¡ ÀÇ·ÚÇÏ´Â ºñ¿ëÀÌ´Ù. º¸Åë $250~$350Á¤µµÀÌ´Ù.
¨ê Credit Report Fee: ¼Õ´ÔÀÇ Å©·¹µ÷À» Á¶»çÇØ º¸´Â ºñ¿ë. º¸Åë $18 ÀÌ´Ù..
¨ë Lender's Inspection Fee: »õÁýÀÏ °æ¿ì 70% ÁøÇàÁß Áß°£ °ø»ç¿¡ ´ëÇÑ Appraisal Fee°¡ ÁöºÒµÇ´Â ºñ¿ëÀÌ´Ù.
¨ì Processing Fee: ¼Õ´ÔÀÌ Á¦ÃâÇÑ ¼­·ù¸¦ À¶ÀÚºê·ÎĿȸ»ç°¡ ¿Ïº®ÇÑ ´ëÃâ¼­·ù·Î ¸¸µé¾î ÀºÇà¿¡ Á¦ÃâÇÏ´Â ºñ¿ë
¨í Underwriting Fee: ÀºÇà¿¡¼­ À¶Àڽɻ縦 Çϴµ¥ µå´Â ºñ¿ë. ÀºÇึ´Ù Á¶±Ý¾¿ ´Ù¸£´Ù.
¨î Tax Related Service Fee: ÀºÇà¿¡¼­ ¼Õ´ÔµéÀÇ Tax¸¦ ´ë³³Çϴµ¥ ÇÊ¿äÇÑ ¼­·ù¸¦ ¸¸µå´Â ºñ¿ë. ÀºÇึ´Ù Á¶±Ý¾¿ ´Ù¸£¸ç, ¿¡½ºÅ©·Î Àü´ãÇϴ ȸ»ç¿¡ µå´Â ºñ¿ëÀÌ´Ù.
¨ï Wire Transfer Fee: À¶Àڱݾ×À» º¯È£»ç »ç¹«½Ç(Escrow Account)·Î Àü¼ÛÇϴµ¥ µå´Â ºñ¿ëÀÌ´Ù.
¨ð Flood Certification Fee: Áý¿¡ ³õ¿© ÀÖ´Â À§Ä¡°¡ È«¼ö ÀçÇØ Áö¿ªÀΰ¡¸¦ Á¶»çÇÏ´Â ºñ¿ë.
¨ñ Carrier Fee: Closing¿¡ ÇÊ¿äÇÑ ¼­·ùµéÀ» ¿î¼ÛÇÏ´Â ºñ¿ë
¨ò VOD: ÀºÇà¿¡¼­ ÀÜ°í Áõ¸íÀ» Çϴµ¥ µå´Â ºñ¿ë
¨ó Survey: Áý°ú °æ°è¸¦ ³ªÅ¸³»´Â û»çÁøÀ» ¸»ÇÑ´Ù.(ÁöÀûµµ)
¨ô GRMA: Á¶Áö¾ÆÁÖ¿¡¼­ ÁýÀÌ °ü·ÃµÈ ¸ðµç À¶ÀÚ¸¦ ÇÒ ¶§¸¶´Ù °ÅµÎ´Â ±â±ÝÀÇ ÀÏÁ¾(Georgia Residential Mortgage Administration)


¿¡½ºÅ©·Î¿Í ŸÀÌƲ º¸Çè ºñ¿ë (Title Charges)

  • ¿¡½ºÅ©·Î ºñ¿ë (Escrow Fee) ¨ç
  • ¼­·ùÀÛ¼º ºñ¿ë (Document Preparation Fee) ¨è
  • °øÁõºñ (Notary Fees) µîÀÔ´Ï´Ù ¨é
  • º¯È£»çºñ¿ë (Attorney Fee) ¨ê
  • µî±âºñ¿ë (Title Insurance) ¨ë

¨ç Escrow Fee: ¿¡½ºÅ©·Î¿¡ ÁöºÒµÇ´Â ºñ¿ë.
¨è Document Preparation Fee: ÀºÇà¿¡¼­ µî±â¿¡ ÇÊ¿äÇÑ ¼­·ù¸¦ ÁغñÇϴµ¥ ÇÊ¿äÇÑ ºñ¿ëÀÌ´Ù. º¸Åë $110~$150 µç´Ù.
¨é Notary Fees: °øÁõºñ¿ë
¨ê Attorney Fee: Closing¿¡ ÇÊ¿äÇÑ ¼­·ù¸¦ °ËÅäÇÏ°í Title Insurance¸¦ ÁغñÇØ ÁÖ´Â º¯È£»çÀÇ ¼­ºñ½º ºñ¿ëÀÌ´Ù. º¸Åë $500 µç´Ù.
¨ë Title Insurance: µî±â»ó¿¡ ¹ß»ýÇÒ ¼ö ÀÖ´Â ¹®Á¦¿¡ ´ëºñÇÏ´Â º¸ÇèÀÌ´Ù. Lender's Coverage(ÀºÇà)¿Í Owner's Policy(Áý¼ÒÀ¯ÀÎ)·Î ³ª´µ¸ç ÀºÇàÀ» À§ÇÑ º¸ÇèÀº Çʼö»çÇ×ÀÌ°í, Áý¼ÒÀ¯ÀÎÀ» À§ÇÑ º¸ÇèÀº ¼±ÅûçÇ×ÀÌ´Ù.
Lender's Coverage: Loan Amount ¡¿(0.2%~0.25%)
Owner's Coverage: Loan Amount ¡¿(0.125~0.17%) =>ÀÌÁß 75%´Â º¯È£»çµéÀÌ Ã¬±ä´Ù.


Government Recording & Transfer Charges

  • Recording Fee ¨ç
  • ÀÎÁö (City/County Tax/Stamps) ¨è
  • Ãëµæ¼¼(State Tax/Stamps) ¨é

¨ç Recording Fee: County¿¡ ÁýÀÇ ¸íÀÇ ÀÌÀü±â·Ïµî µî·ÏÀ» Çϴµ¥ µå´Â ºñ¿ë.
¨è City/County Tax/Stamps: ÀÎÁö¼¼, À¶Àڱݾ×ÀÇ 0.1%ÀÌ¸ç ¹Ýµå½Ã seller°¡ ÁöºÒÇØ¾ß ÇÏ´Â µ·À̹ǷΠclosing cost¿¡ ºÎ°úµÇÁö ¾Ê´Â´Ù.
¨é State Tax/Stamps: Intengible Tax(Ãëµæ¼¼)·Î ÁÖÁ¤ºÎ¿¡ Áö±ÞÇÏ´Â Ãëµæ¼¼. À¶Àڱݾ×ÀÇ 0.3%


¿¡½ºÅ©·Î¸¦ ÅëÇØ ¹Ì¸® ¼±³³ÇÏ´Â ºñ¿ë (Prepaids)

  • ¿ù ÆäÀ̸ÕÆ®¿¡ ´ëÇÑ ¼± ÀÌÀÚ (Prepaid Interests)
  • È­À纸Çè (Hazard Insurance Premium)
  • ¸ð±âÁö º¸Çè (Mortgage Insurance Premium)
  • ¼¼±Ý(Taxes and Assessment Reserves)

¨ç Prepaid Interests: ¼±ÀÌÀÚ ºñ¿ë.
¨è Hazard Insurance Premium: ÁýÀ» ±¸ÀÔÇÏ´Â °æ¿ì ¹Ýµå½Ã 1³âÄ¡ PremiumÀ» ³»¾ßÇÏ°í 2´Þ¿¡¼­ 4°³¿ùÄ¡¸¦ Lender¿¡°Ô ¿¹Ä¡ÇØ¾ß ÇÑ´Ù.
RefinanceÀÇ °æ¿ì 1³âÄ¡´Â ³¾ ÇÊ¿ä¾øÀÌ 2°³¿ù¿¡¼­ 4°³¿ùÄ¡¸¸ ¿¹Ä¡ÇÏ¸é µÈ´Ù.
¨é Mortgage Insurance Premium: À¶Àڱݾ×ÀÌ 80%ÀÌ»óÀÌ µÇ¾úÀ» °æ¿ì Àǹ«ÀûÀ¸·Î ÁöºÒÇØ¾ß µÇ´Â ¸ð±âÁö º¸Çè
¨ê Taxes and Assessment Reserves: Countyº°·Î Tax±âÇÑÀÏ¿¡ ¸ÂÃß¾î ¸î °³¿ùÄ¡¸¦ ¿¹Ä¡ÇØ¾ß ÇÏ´ÂÁö °è»êÇÏ¿© ³Ö´Â´Ù.


APR ¿¡ Æ÷ÇÔµÇÁö ¾Ê´Â °æºñ

°úÅ·á (Late Charge)
ŸÀÌƲ º¸Çè·á (Title Insurance)
¿¡½ºÅ©·Î ºñ¿ë (Escrow Fee)
°¨Á¤ºñ (Appraisal Fee)
Å©·¹µ÷ ºñ¿ë (Credit Report Fee) µîÀÔ´Ï´Ù.


À§ÀÇ ºñ¿ëµéÀº ¾î¶² À¶ÀÚ ¿¡ÀÌÀüÆ®¸¦ ÅëÇϽôø °ÅÀÇ ´ëµ¿¼ÒÀÌÇÏ°Ô ¼Ò¿äµÇ´Â °æºñÀ̸ç ÇʼöÀûÀÎ °ÍÀÔ´Ï´Ù. ¶ÇÇÑ, ¿©±â µé¾î°¡´Â ºñ¿ëÁß ¸¹Àº ºÎºÐÀÌ À¶ÀÚÀºÇà (Lender) °ú ¼Õ´ÔÀ» ¸ðµÎ ³ªÁß¿¡ ¹®Á¦°¡ µÉ ¼ö ÀÖ´Â °ÍÀ¸·ÎºÎÅÍ º¸È£Çϱâ ÀýÂ÷»ó ºñ¿ëÀÎ °ÍÀÔ´Ï´Ù.

ÀçÀ¶ÀÚ¸¦ ÇÏ½Ç ¶§¿¡´Â ÁÖÅñ¸ÀÔ ½Ã¿¡ ºñÇØ ¿¡½ºÅ©·Î ºñ¿ë°ú ŸÀÌƲ º¸Çè·á°¡ ¾à°£ Â÷ÀÌ°¡ ³ª°í ±×¿Ü ºñ¿ëÀº °ÅÀÇ °°Àº ºñ¿ëÀÌ µé¾î°©´Ï´Ù.

¶ÇÇÑ À§¿¡ ÀûÀº ºñ¿ëÀº ÀÏ¹Ý ÁÖÅÃÀ¶ÀÚ (Conventional Loan) À» ÇÒ °æ¿ì µé¾î°¡´Â ºñ¿ëÀ̸ç FHAÀ¶ÀÚ³ª ÀçÇⱺÀÎû À¶ÀÚ (VA Loan) ¸¦ ÇÏ½Ç °æ¿ì¿¡´Â ´Ù¼Ò Â÷ÀÌ°¡ ÀÖ½À´Ï´Ù.



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