He said it would be 96. So in addition to borrowing 7000, I would have to pay back 6,720 for a grand total of 13,720. I said to the guy, "Are you nuts. " Hehehe.
I said, "Thank you and I appreciate your time. " He didn't even have the courtesy to say goodbye or have a great day and hung up.
In a situation in which third-party fees are greater than the discount points charged to your account this would make sense.
However, the difference is sometimes nominal. Ask you HomeStart loan officer to see if buying-out third party fees or a typical closing cost scenario best suits your needs. What is the 3 rule on Texas cashouts. Texas constitution states that all third-party fees on a cash-out or home equity loan for homestead properties may not exceed 3. In other words, if you want a 50k home equity loan third party fees may not exceed 1,500.
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