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Loan Information

You should choose this option if you are paying off an existing mortgage and netting less than $2000 cash or if you are paying off a Purchase Money First and Second Mortgage and netting less than $2000.

You should choose this option if you are netting more than $2000 Cash, if you are paying off a Second Mortgage that was not taken out at the time of purchase or if you are paying off any other consumer debts with the proceeds of this loan.

Credit Information
Loan Programs

A mortgage in which the interest rate does not change during the entire term of the loan.

A mortgage that permits the lender to adjust the mortgage's interest rate periodically on the basis of changes in a specified index. The interest rates on these loans will be fixed for a specified period of time, then will become adjustable for the remaining years of the loan. Once adjustable, the interest rates may move up or down, as market conditions change.

Documentation type

I qualify with full documentation of my income and assets. This will allow me to obtain the best rate and loan fee.

I will not document my income but will provide full asset documentation. This will reduce the amount of paperwork needed to close my loan, but may increase my rate or loan fee.

I am not willing to document my income and assets. This option may further increase my rate and loan fee.

Taxes & Insurance

Do you want to include your taxes and insurance with your monthly payment?

This may result in a lower rate or loan fee.

This may increase my rate or loan fee.

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One Easy Fee Home Loans Fixed Closing Cost Guarantee

One Easy Fee Guarantee

You are guaranteed protection against any changes to the low interest rates and closing costs quoted by One Easy Fee Home Loans. All applicable lender fees and closing costs are stated upfront in the Good Faith Estimate and the total amount due will not change. Last minute changes in fees are not your problem, they’re ours – we’ve got them covered.

Your One Easy Fee Home Loans fixed closing fee bundles all of your lender fees and applicable third-party fees (Refinance only) into one low, guaranteed fee every time. 

What are the applicable fees and which ones are included?

Guaranteed in purchase Guaranteed in refinance Name of fee
Yes Yes Origination Fee
Yes Yes Discount Points
Yes Yes Appraisal Fee
No Yes Title Insurance and Related Charges
No Yes Escrow/Lender Attorney Fee
No Yes Survey
Yes Yes Flood Certification Fee
Yes Yes Credit Report Fee
Yes Yes Tax Service Fee
Yes Yes Underwriting Fee
Yes Yes Processing Fee
No Yes Recording Fees
No Yes Notary Fee
Yes Yes Administration Fees

Of course, every home loan includes some additional costs that must be covered by you as the homeowner. These costs may include taxes, insurance, and prepaid interest and are not included in your closing package..