New GFE

[eddymvp]

Firstable I want to thanks everyone that helped me in the previous thread specially shane. If it wasn't for you guys, I was going to get ripped off.

Old Thread

http://ficoforums.myfico.com/fico/board/message?board.id=loans&thread.id=40562&view=by_date_ascendin...

Here is my new GFE.

Im getting a FHA 5.0% 30 year loan for a home that cost 220,000.....Im putting 3.5% down and seller up to 6,000 towards closing cost

803 Appraisal Fee 350.00

804 Credit Report 17.00

809 Tax Related Service 90.00

811 Underwriting Fee 40.00 

812 Wire Transfer Fee 45.00

813 Flood Certification 17.50

814 Federal Express To Lender 25.00

815 Secondary Market Fee 200.00

205 Application Fee 395.00

817 Doc Prep Fee 45.00

1107 Attorney Fee 350.00

1108 Title Insurance 550.00

1103 Title Examination Fee 150.00

1201 Recording Fees 240.00

1202 City/County Tax/Stamps 125.00

1206 Town/City 25.00

Message Edited by eddymvp on 04-24-2009 06:18 PM

[ShanetheMortgageMan]

Looks great but I always make sure with the application fee that it isrefundable in case you do not get approved, and that it also takes the place of you paying the appraiser directly (so at closing you'll have a $395 credit towards the appraisal vs. paying the $395 application fee and also the appraiser at the time of inspection).

[eddymvp]

What are the chances of the loan being deny?

last year I made 75K.

My debt to income is really low. I'm 26 years old, Single with no kids.

[ShanetheMortgageMan]

Oooh the single & no kids part is going to kill ya ;-)   Nah those items aren't too important for an underwriter.  If you don't have a ton of monthly payments, and your credit score is good then it's likely you'll qualify.