Summerlin Financial
Miles Nelson
Rate Reference Chart
30-Year Fixed | Internal Use Only
Conventional
FHA
VA
Conventional — 30-Year Fixed
P&I only in rate columns | T&I estimate shown separately
Taxes: ~0.25% of loan/yr (0.17–0.32% range in your market)
Insurance: $80–$185/mo by loan amount (+$50 per $200K above $400K)
PMI (<20% down): TBD — priced per lender
Insurance: $80–$185/mo by loan amount (+$50 per $200K above $400K)
PMI (<20% down): TBD — priced per lender
FHA — 30-Year Fixed
P&I + MIP in rate columns | Upfront MIP 1.75% rolled into balance | T&I shown separately
Taxes: ~0.25% of loan/yr (0.17–0.32% range in your market)
Insurance: $80–$185/mo by loan amount (+$50 per $200K above $400K)
Annual MIP (0.55%): already included in rate columns
Insurance: $80–$185/mo by loan amount (+$50 per $200K above $400K)
Annual MIP (0.55%): already included in rate columns
VA — 30-Year Fixed
P&I only in rate columns | No PMI, no MIP — ever | T&I shown separately
Taxes: ~0.25% of loan/yr (0.17–0.32% range in your market)
Insurance: $80–$185/mo by loan amount (+$50 per $200K above $400K)
Funding fee: 2.15–3.3% — roll in or pay at closing
Insurance: $80–$185/mo by loan amount (+$50 per $200K above $400K)
Funding fee: 2.15–3.3% — roll in or pay at closing
