The links at the bottom of the page are sample Good Faith Estimates and Truth-in- Lending Statements for VA, FHA, 80%, 90%, and 95% conventional loans. Since adjustable rate mortgages can be very complex, and there are more variations of this type loan than there are opinions in Congress, the examples are all fixed rate. If you have an interest in the ARM loan, let us know and we will address your specific circumstances.

For the VA and FHA loans, the charges shown are all of those which those agencies permit the borrower to pay. In all instances it is assumed that the seller pays for deed documentary stamps.

* It is important to remember that the following statements show maximum closing costs; in many cases the seller will pay a portion, even (in some cases ) all of the closing costs. Generally, the buyer always pays for the credit report and pre-paids (in the case of FHA or conventional, the borrower effectively must pay for the pre-paid items.).

* What you actually pay, in other words, could be considerably less than what is shown. The idea of these statements is to give you a maximum cash requirement, i.e. a kind of " worst case " scenario.

* Please note that all of these statements reflect zero discount points. Hence, any points paid would be in addition to what is shown.

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• Disclosure Statement
• Truth In Lending Statements
• 80% Conventional
• 90% Conventional
• 95% Conventional
• VA
• FHA