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Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A.
LRC-1023
Also known as annual real estate tax, the amount paid to a municipal or county taxing authority for a specific property. If you're buying a home, you can usually find an estimate of the property tax on the property listing information.
Also known as hazard insurance, a real estate insurance policy that provides protection against loss caused by fire, vandalism, some natural disasters, personal injury, and theft. If you're buying a home, you can contact an insurer for an estimate.
A financial obligation a borrower pays to either the FHA or a private insurer to insure the mortgage lender against loss from a borrower’s default. Upfront and monthly mortgage insurance is required on FHA and monthly mortgage insurance is typically required on conforming loans when the down payment is less than 20%.
Often used in qualifying a customer for a home loan, DTI reflects your monthly debt and debt-related costs, such as taxes, fees, and insurance premiums as a percentage of your monthly gross income.
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