Good Faith Estimate & Free Closing Costs

The closing costs are the same for all rates but a slightly higher rate gives you a larger Free Rebate. If the Free Rebate covers the Closing Costs it means that your loan has Free Closing Costs.

This is the Free Way to Refinance or Buy Real Estate because we don't charge you anything and we give you a Free Rebate to pay for part or all of your Closing Costs.

When shopping for rates the APR is the price! Click to check APR

You can choose your own appraiser, title insurance company, escrow company, and public notary or loan signing agent.*

We use hundreds of independent appraisers throughout California that do quality and timely work for us because they value our business.

We recommend First American Title Escrow because they offer you a flat fee package for the escrow and title insurance.

Good Faith Estimate Fees
First American Title Insurance
Escrow & Title Package
Loan Amount
One Rate Flat Fee
$0 - $50,000
$400
$50,000 - $75,000
$490
$75,000 - $ 100,000
$650
$100,001 - $250,000
$800
$250,001 - $450,000
$1,000
$450,001 - $650,000
$1,300
$650,001 - $850,000
$1,550
$850,001 - $1,000,000
$1,750
$1,000,001 - $1,500,000
$2,050
$1,500,001 - $2,000,000
$2,450
$2,000,001 - $3,000,000
$3,250
$3,000,001 - $4,000,000
$3,850

County Recorders Fee
$95

Loan Signing Notary Fee

If the notary must print your loan documents there will be a $25 charge.

$150

Appraisal Fee

Single Family Residence valued under $700,000; local appraisers fee might be $375. Higher value homes have nominal higher appraisal fees.

You can choose your own appraiser

Payable to the appraiser. on the date of inspection

Accord Loans guarantees that we will release the appraisal to any lender of your choice.

 $350

Bank Fees

Regardless of what bank we use, the bank will charge anywhere from $850 to $950 on bank fees. To be conservative, we estimate $950 in bank fees.

For comparison purposes, the bank fees are the only fees included in the APR.

 $950

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* Appraiser (must be approved by the major banks), escrow company (must be financially stable and in good standing with the Department of Corporations), public notary or loan signing agent (must have $500,000 Errors & Omissions Insurance).