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Mortgage Center

Recommended local mortgage brokers:
 

     

Michael Hogan - Chimney Rock Mortgage

Chimney Rock Mortgage
421 W. Riverside - Suite 450
Spokane, WA 99201

A+ BBB Accreditation since 07/02/2014

Phone: 509 747 1300   Fax: 509 753 2148   Cell:  509 280 7183

   

 

 

 

Darin Watkins - Darin Watkins Home Loans

Fairway Independent Mortgage Corporation
421 W. Riverside Ave - Suite 319
Spokane, WA 99201

Phone: 509 381 1711   Cell:  509 595 2012

   

 

   

   

 

 

 

Cristi Zacherle - Penrith Home Loans

Branch Manager / Mortgage Consultant 
WMS Series  LLC/Manito
2829 S. Grand Blvd., Suite 101, Spokane, WA

Phone: 509 456 6003  Fax: 509 456 6027  Cell:  509 991 0368

 

 

   
 

Jeff Berglund - Numerica Credit Union Home Loans

Senior Loan Officer - NMLS #13557
Numerica Credit Union

Cell: 509 953 4414   Office: 509 343 7786   Fax:  343 7787

 

 

   
 

Dinah Ford - Heritage Home Loans

Heritage Home Loans
1227 N Argonne Rd.
Spokane Valley, WA 99212

Cell: 208 651 2887   Office: 509 252 4000 

 

 

Your home is likely one of your largest investments.  Since mortgage (home loans) rates change daily and depend on your personal circumstances, Michael has assembled the tools below to help you understand mortgage basics and stay up-to-date on the mortgage market. 

Today's Mortgage Rates - Sample rates from lenders based on your data.

Historical Mortgage Rates - How are today's rates?  Trending up or down? 

Mortgage Calculators - More than ten mortgage-related calculators including "How Much Home Can I afford?"

Bankrate / Mortgages - Mortgage basics and trends

How to get the best mortgage rates.



Residential Escrow Rates 

1.78% for Seller to State

6% Realtor fee (1.5% goes to the selling broker, 1.5% goes to the listing broker,

1.5% goes to the selling Realtor, and 1.5% goes to the buying Realtor).

Escrow fees are based on the below chart of sale prices. 

 Sales Prices Minimum Escrow Fee   
 from    to  to each buyer and seller + tax
 $  00,000.00 - 50,000.00   225.00 244.36 
50,001.00  - 75,000.00  250.00 271.50
75,001.00  - 100,000.00  275.00 298.68
100,001.00  - 25,000.00  300.00 325.80
125,001.00  - 150,000.00  325.00  352..95
150,001.00  - 200,000.00  350.00 380.10
200,001.00  - 250,000.00  375.00 407.25
250,001.00  - 300,000.00  400.00 434.40
300,001.00  - 350,000.00  425.00 461.55

 


Escrow Charges

Sales Based on Purchase Price
Refinance $352.95
Refinance (out of town lender) $434.40
Refinance (WAMU, Wells Fargo, Amest) $325.80
2nd Mortgages $217.20
2nd Mortgages (with 1st mortgage) $108.60
Sub Escrows $108.60
Courier/Overnight

$20.50 (per envelope (payoffs))

$20.50 (per pack(loan package)) 

Wire Fee $25.00
Reconveyance (each) $100.00
Over Five Credit Cards $10.00 (per card)
Email Doc Fee $25.00 (per package)
City LID Search $15.00

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