Mortgage Financing for Lake Havasu Real Estate

Are you ready to start making offers on property in Lake Havasu? That's Great! All we need to do now is get you pre-qualified so we can start to submit offers!

Finding and selecting a mortgage lender is ultimately the "buyers choice" - Brian is simply a lender I know and trust. You are under no obligation to use his services.

• Are you a first time homebuyer or looking for a vacation home?
• Or maybe you are interested in new construction homes and investment properties.
• Are you a Vet looking a VA loan options? Great! Brian is well versed in the VA loan process.

The selection of a mortgage professional is ultimately the buyer's choice.

My job as your real estate agent is to make sure you are well taken care of, are told the truth, get the right information and make your real estate transaction go a smooth a possible. 

Most lenders will tell you whatever you want to hear to get you on the hook - then they will "figure it out later". You know what happens next? Your transaction falls apart halfway through the escrow process and everyone loses.

If the "Big Bank" lender "drops you in the grease" nobody cares and nobody feels

the heat but you. If Brian drops the ball on you, he will hear from me. The very best way for me to give you the absolute best home buying experience you can possibly have is to recommend you to the best professionals that will do the job right the first time and take care of you on a personal level.

Think of it as the perfect trifecta for the best home buying experience you have ever had!

Everyone seems to have a "friend" or family member in the mortgage business they want to use. Do some good hard thinking about this decision. In my personal experience, the transaction seldom goes smooth to say the least.

If you are going to use your own lender, not familiar with real estate in Lake Havasu City - I will offer this advice.

Please make sure:

1. They are a lender familiar with Lake Havasu Real Estate
2. They are licensed to do business in the state of AZ
3. They have done at least one transaction in Mohave County
4. They have experience in the loan program you plan on using - VA, FHA, HomePath, Rehab Loan, etc.
5. Most importantly - Make sure they understand your financial goals. Are they just throwing around interest rates and empty promises? Or are they strategizing with you to see what loan and plan of action might be right for those goals and would work best for your personal situation?

Lake Havasu City · Buyer Tools How much are buyer closing costs in Lake Havasu City? Estimate buyer closing costs, cash needed to close, and monthly payment using Mohave County tax calculations and local title and escrow fees. ▸ Click to expand the calculator▾ Click to collapse Open CalculatorClose Calculator ▾

HavasuLew Buyer Tools

Lake Havasu City Buyer Closing Cost & Monthly Payment Calculator

Estimate buyer closing costs, title and escrow fees, cash needed to close, loan amount, and monthly payment for a Lake Havasu City home purchase. Estimates are based on Mohave County tax calculations and local title and escrow fee schedules. The monthly payment calculator updates as you adjust the purchase and financing details.

Purchase and financing

Location

Purchase Price

$

Loan Type

Conventional FHA VA Cash

Down Payment

$

%

Defaults: Conventional 20%, FHA 3.5%, VA 0%, Cash 100%. Edit either value.

Interest Rate (annual)

%

Defaults: Conventional 6.5%, FHA 6.0%. Replace with the lender's rate.

Loan Term

30 years 20 years 15 years 10 years

Insurance and closing details

Homeowners Insurance (annual)

$

Auto estimate: 0.18% of purchase price. Replace with an insurance quote.

Monthly HOA / PUD (optional)

$

Enter zero or leave blank when none.

Estimated Closing Date

Used to estimate prepaid interest and the closing tax adjustment.

Earnest Money Deposit (optional)

$

Subtracted from estimated cash still needed at closing.

Buyer Closing-Cost Credits (optional)

$

Allowable seller or lender credits; not applied to the down payment.

Show advanced assumptions Loan, impound, title, and escrow settings

Loan and impound assumptions

Discount Points (optional)

%

Percentage of the base loan amount paid at closing.

Impounds: Taxes (months)

Confirm the required reserve with your lender.

Impounds: Insurance (months)

Confirm the required reserve with your lender.

Impounds Enabled

Yes No

Common for financed purchases; confirm with your lender.

Conventional PMI Rate (annual)

%

Used only when conventional down payment is below 20%.

FHA MIP Rate (annual)

%

Monthly FHA mortgage insurance; confirm the rate and duration.

FHA Upfront MIP

Finance 1.75% into loan Pay 1.75% at closing

Usually financed. Paying it in cash increases funds due at closing.

VA Funding Fee Status

First use Subsequent use Exempt / waived

The rate also changes automatically with down payment.

VA Funding Fee Treatment

Finance funding fee into loan Pay funding fee at closing

Title and escrow assumptions

Owner's Title Policy Payer

Seller Buyer

Seller-paid in many Arizona resale contracts; confirm the agreement.

Owner's Policy Type

Standard ALTA owner's ALTA homeowner's (enhanced) ALTA extended coverage

Choose the policy shown on the title quote.

Owner's Title Premium Override

$

Required for purchases above $5,000,000.

Lender's Title Premium Override (optional)

$

Auto-calculated from the financed loan amount and Mohave County tiers. Actual premiums and endorsements vary by insurer and coverage.

Buyer's Escrow Fee Payer

Buyer Seller

Buyer-paid by default. Change only when required or negotiated.

Loan Tie-In Fee Payer

Buyer 50/50 split Seller

Buyer-paid by default. Change only when required or negotiated.

1031 Exchange

No Yes

Adds the estimated replacement-property exchange fee.

Property taxes and prorations are estimates based on the purchase price and anticipated closing date. Actual taxes, assessments, impound requirements, and closing adjustments vary by property, lender, title company, and Mohave County records.

Print Estimate Reset All

Estimated loan amount

$0

Purchase price$0

Down payment$0

Base loan amount$0

Financed program fee$0

Total financed loan$0

The monthly principal & interest payment below is calculated from this loan amount, not from the purchase price.

Estimated monthly housing payment

$0

Principal & interest$0

Estimated property taxes$0

Homeowners insurance$0

Mortgage insurance$0

HOA / PUD dues$0

Estimated total$0

Principal, interest, estimated taxes, insurance, mortgage insurance, and HOA/PUD dues. Utilities and maintenance are not included.

Estimated cash still needed at closing

$0

Down payment$0

Closing costs (mid)$0

Property-tax proration$0

Buyer closing-cost credits applied- $0

Earnest money already deposited- $0

Estimated cash remaining$0

Uses the mid closing-cost estimate after credits and earnest money.

Closing cost estimate

$0–$0

Mid estimate: $0

Buyer-side closing costs only, itemised in full below.

Estimated annual ownership items

Estimated property taxes$0

Homeowners insurance$0

HOA / PUD dues$0

Insurance, mortgage insurance, lender fees, tax assessments, and escrow deposits can vary materially. This is a planning estimate, not a lender Loan Estimate or settlement statement.

Estimated closing fee details

Buyer-side fee ranges included in this estimate. Select a section to expand it.

Important: This calculator is for planning only. Actual figures depend on the lender, loan program, title company, insurance carrier, property tax history, closing date, negotiated seller concessions, and final settlement terms. Conventional PMI is estimated only when the down payment is under 20%. FHA and VA program fees use the settings shown above and should be verified with the buyer's lender.