A lender estimates the closing costs on a home loan of $50,000 as listed below.
Closing Cost

Charge
Loan origination

$200
Title insurance

$530
Attorney’s fees

$600
Appraisal

$265
Inspection

$575
Recording fees

$130
Escrow

$800

If the lender's good faith estimates are accurate, are they a reasonable amount for closing costs? Why or why not?
a.

Yes, because the lender esitmated 3.08% of the home loan in closing costs which falls between 3 - 5%.
b.

Yes, because the lender estimated 4.6% of the home loan in closing costs which does not fall between 3 - 5%.
c.

No, because the lender estimated 6.2% of the home loan in closing costs which does not fall between 3 - 5%.
d.

No, because the lender estimated 17.7% of the home loan in closing costs which does fall between

Answers

Answer 1

Answer:c.

No, because the lender estimated 6.2% of the home loan in closing costs which does not fall between 3 - 5%

Step-by-step explanation:

Summation of the cost of loan =200+530+600+265+575+130+800

=3100

Now percentage of the estimate=

(3100/50000)*100%

=6.2%

Answer 2

C- The lender should not consider them as reasonable amount of closing costs because the lender estimated 6.2% of the home loan in closing costs which does not fall between 3-5%.

The lender cannot be accepting these costs as this will lead to the lender incurring losses over a longer period after doing all the necessary calculations.

The lender has disbursed a home loan of $50000 on which he has estimated certain closing costs and are considered to be true and accurate. The costs are loan origination, title insurance, attorney's fees, appraisal, inspection, recording fees, escrow, etc.

The amounts will add up as a summation of all the fees and charges  as titles above are mentioned which will end up totaling to $3100

[tex]200+530+600+265+575+130+800=3100[/tex]

The calculation of of costs in to the percentage of total home loan is calculated as dividing the cost with total loan amount which will be totaled as 6.2%.

[tex]\frac{3100}{50000} *100= 6.2[/tex]

The costing of this home loan is way above the ideal range of 3-5% and is not worth disbursing and may be called back.

Hence, the correct option is C that the amounts of $3100 are not a reasonable amount of closing costs because the lender estimated 6.2% of the home loan in closing costs which does not fall between the range of 3-5%.

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Related Questions

Which ordered pair is in the solution set of the following system of inequalities? y>0.5x+4 y≥‒3x+10 A. (2, 6) B. (1, 5) C. (3, 2) D. (4, 5)

Answers

The answer is B. (1,5) because when you insert them into both equations it comes out true for both

Carlos wants to add two more bags of apples to his order. What is the new total?

Answers

Answer:

Hi! The answer to this question is 9.10

Step-by-step explanation:

All of the Items added up equals 9.10

Answer:I thought it was 4.34 but its 9.10

Step-by-step explanation:

what is the value of x in the equation -6/7= -×/84?

Answers

-6/7 = -x/84

84/7 = 12

12(-6) = -72

x = -72

So, -6/7 = -72/84 because -72/84 simplifies to -6/7

Answer:

x=7.

Step-by-step explanation:

To solve this you just hace to clear x from the equation and multipliead the other part of the equation by -84:

[tex]\frac{-6}{7} =\frac{-x}{84} \\x=\frac{6*-84}{7} \\x=\frac{504}{7}\\ x= 72[/tex]

So we know that the value of x in the equation will be 72,

The function h(t) = 210 – 15t models the altitude of a hot air balloon over time t, in minutes. Explain what h(10) means in the context of the real-world scenario, and how to find its value.

Answers

h(10) represents the altitude of the hot air balloon after 10 minutes' change. In this case, at the beginning, the hot air balloon is at an altitude of 210, unit unknown, every minute it decreases by 15. 
h(10)=210-15*10=60
10 minutes later it is at an altitude of 60
 t represents time, which is the input of the function, so we know that 10 is the time in minutes. h(t) represents the altitude, which is the output of the function after time, t. So, we need to substitute 10 into 210 – 15t in place of t. Simplifying 210 – 15(10), we get  that 60 is the altitude in feet. So, after 10 minutes, the hot air balloon is at 60 feet. 

The registration fee for a used car is 0.8% of the sale price of $5,700. How much is the fee?

Answers

5700 : 100 * 0.8 =
45.60 $

The registration fee for a used car is 0.8% of the sale price of $5,700 as a result the registration fee is $ 45.60.

What is the percentage?

It's the ratio of two integers stated as a fraction of a hundred parts. It is a metric for comparing two sets of data, and it is expressed as a percentage using the percent symbol.

The usage of percentages is widespread and diverse. For instance, numerous data in the media, bank interest rates, retail discounts, and inflation rates are all reported as percentages. For comprehending the financial elements of daily life, percentages are crucial.

It is given that the registration fee for a used car is 0.8% of the sale price of $5,700,

The value of the registration fee is found as,

Registration fee = 0.8% of $5,700

Registration fee = (0.8/100) × $5,700

Registration fee = $ 45.6

Thus, the registration fee for a used car is 0.8% of the sale price of $5,700 as a result the registration fee is $ 45.60.

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4th grade homework.

Write an equation that represents this comparison sentence..

32 is 8 times as many as 4

Answers

By looking at the statement I derived,

32 = 8 * 4

8 x 4 = 32 or (8)(4) = 32 are both valid equations

An ounce is 1/16 of a pound. How many ounces are in 8 3/4 pounds?

Answers

16*8=128
3/4=12/16
128+12=140
Answer: 140 ounces

I hope this helps.

There are 140 ounces are in 8 3/4 pounds.

Given that,

1 ounce = 1/16 pound

We can also write it as

1/16 pound = 1 ounce

Multiply 16 both sides we get,

1 pound = 16 ounces   ......(i)

Therefore,

There are 16 ounces in 1 pound.

Now we can write [tex]8\frac{3}{4}[/tex] in simple fraction as,

= (8x4+3)/4

= 35/4

Now we can say that [tex]8\frac{3}{4}[/tex] pounds as 35/4 pound as both are same quantity

Now, multiply 35/4 both sides in equation (i) we get,

35/4 pound = (35/4)x16 ounces

                    = 140 ounces.

Hence,

 [tex]8\frac{3}{4}[/tex] pounds = 140 ounces.

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If I drive 70 miles per hour for eight and a half hours, how far will I have driven

Answers

Just do 70 times 8.5

multiply speed by time to get distance

70 *8.5 = 595 miles

Find a formula for a function of the form y=bxe^−ax with local maximum at (1,2.2073). y=________

Answers

from the given values

2.2073 = b*1*e^-a

and y' = be^-a(-a + 1) = 0   giving a = 1

from first equation  2.2073 = b * e^-1 so b = 2.2073e =  6

so our formula is  y = 6x e^-x

The required formula is  y = 6x e⁻ˣ for a function of the form y=bxe^−ax with the local maximum at (1,2.2073).

What are Maxima of a Function?

A function curve has peaks known as maxima. There can be an unlimited number of peaks.

The given function of the form as:

y = bxe⁻ᵃˣ   y' = be⁻ᵃˣ  (1-ax)

Plug point (x,y) = (1, 2.2073) into equation:  2.2073 = 6be⁻ᵃ

Now plug in y' = 0 at the same x value:  0 = be-6ᵃ(1-6a) or a = 1

and y' = be⁻ᵃ(-a + 1) = 0  giving a = 1

From first equation  2.2073 = b e⁻¹ so b = 2.2073e =  6

So the required formula is  y = 6x e⁻ˣ

To find b, plug an into the first equation. The sign of the first derivative shifts from + to -, indicating that it is a maximum critical point.

You may graph the equation using your constants and observe that the point (1, 2.2073) is the maximum.

Therefore, the required formula is  y = 6x e⁻ˣ.

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how many 1/3 pounds serving in 4 2/3 pound of cheese

Answers

change 4 and 2/3 to an improper fraction.
4 + 2/3 = 14/3
There are 14 of the 1/3 lb serving in 4 and 2/3 pounds of cheese.

A researcher sends out a survey to 740 subjects by mail and receives completed surveys from 65% of the subjects. How many surveys did the researcher receive?

Answers

Just do 740 times .65 which is 481

G find the probability that (a) more than 5, (b) between 1 and 3, (c) less than or equal to 2, bulbs will be defective

Answers

a.7
b.2
c.1


there is ur answer have a good day

what is 5-2y=3x in standard form?

Answers

The Answer is -3x-2y+5=0 If your book defines standard form (different texts may define it differently) as Ax + By + C = 0

To write 5 - 2y = 3x in standard form, you rearrange it to Ax + By = C, resulting in the equation 3x - 2y = -5, which is in standard form as requested.

To write the equation 5 - 2y = 3x in standard form, you want to arrange it to Ax + By = C, where A, B, and C are integers, and A should not be negative. Here's how you can do it:

First, we will move the term involving x to the left side of the equation by subtracting 3x from both sides:3x - (5 - 2y) = 3x - 3xThis simplifies to:-3x + 2y = 5Finally, to keep A positive, if necessary, multiply the entire equation by -1:3x - 2y = -5

Thus, the standard form of the equation is 3x - 2y = -5.

estimate the value of 97.5 square rated divided by 1.96

Answers

49.7 is your answer


best estimate however, is 98/2 = 49

hope this helps

Charlie, who is 6 feet tall, walks away from a streetlight that is 16 feet high at a rate of 6 feet per second, as shown in the figure. Express the length s of Charlie's shadow as a function of time.

Answers

Final answer:

The detailed answer provides a step-by-step explanation of how to express the length of Charlie's shadow as a function of time based on his movement away from a streetlight.

Explanation:

Length of Shadow as a Function of Time:

Define the variables:

Express s as a function of time: s(t) = (h * d) / (d + rt), where r is Charlie's rate of movement away from the streetlight.

Calculate the specific function: In this case, s(t) = (16 * 6) / (d + 6t), where s is the length of the shadow at time t.

When water freezes, its volume increases by 9.05% (that is, δv/v0 = 9.05 10-2). what force per unit area is water capable of exerting on a container when it freezes? (the bulk modulus of water is 2.2 109 n/m2. enter the magnitude only.)?

Answers

Given:
K = 2.2 x 10⁹ N/m², the bulk modulus of water
ε = δV/V₀ = 9.05 x 10⁻², the dilatation (volumetric strain)

Let the pressure created by the ice due to volumetric expansion be P.
By definition,
[tex] \frac{P}{(\delta V/V)} =K[/tex]
Therefore
P = (9.05 x 10⁻²) * (2.2 x 10⁹ N/m²) = 1.99 x 10⁸ Pa = 199 MPa
The pressure is 199 MPa or 1.99 x 10⁸ Pa
Note that 1 Pa = 1 N/m²

Answer:  1.99 x 10⁸ 

Simplify the expression where possible. (3b 3) 4

Answers

Final answer:

To simplify the expression (3b^3)^4, raise the base to the fourth power and simplify the exponent.

Explanation:

To simplify the expression (3b^3)^4, we need to raise the base, 3b^3, to the fourth power. This can be done by multiplying the exponents. The result is 3^4 * (b^3)^4, which simplifies to 81b^12.

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Ruth sets out to visit her friend ward, who lives 20 mi north and 100 mi east of her. she starts by driving east, but after 70 mi she comes to a detour that takes her 15 mi south before going east again. she then drives east for 8 mi and runs out of gas, so ward flies there in his small plane to get her.

Answers

Solution:

Distance between Ruth House and Ruth Friend House =20 Meter north and 100 meter east of Ruth

Now , Ruth Starts Driving,

but after 70 mi she comes to a detour that takes her 15 mi south before going east again. she then drives east for 8 mi and runs out of gas.

The Diagram of Ruth Driving is depicted below.

Now , when ward flies in small plane to get Ruth,

So, Distance between Ruth and Ward , when Ruth is at Point S=SM

In Right Δ SVM, By Using Pythagoras theorem

SM²=SV² + VM²

DT=VS=15 m

VM=100 - (70+8)

     = 100 -78

     =22 meter

SM²=(15)² + (22)²

       = 225 + 484

       = 709

[tex]SM=\sqrt{709}=26.62[/tex]

So, Ward has to travel 26.62 miles east north to reach Ruth.

Describe t-test and explain how to interpret its results ?

Answers

A t-test is usually two or more test used to determine the correct statistics of a situation. To interpret the results of a t-test there must be two or more test in order to compare the differences of the samples to get the accurate result.
Final answer:

The t-test is a statistical test used to compare the means of two samples. The t-score, which represents the standardised difference between group means, and the p-value, which gives the probability of observing the data given the null hypothesis, are key components of the t-test result interpretation. A small p-value (typically less than 0.05) typically leads to rejection of the null hypothesis.

Explanation:

The t-test is a statistical measure used in hypothesis testing to analyze the difference between two sample means. Key to proper interpretation of its results is understanding the test statistic, otherwise known as the t-score, and the p-value.

The t-score is calculated by subtracting one measure from the other and dividing by the standard error to standardize the difference. A large absolute value of the t-score indicates a larger difference between the groups being compared. The t-distribution, which the t-score follows, depends on the sample size (n) and has n - 1 degrees of freedom.

The p-value, usually calculated using technology, is the probability that you would observe the given t-score (or one more extreme) if the null hypothesis was true. It corresponds to the combined area in both tails of the t-distribution. If the p-value is small (typically less than 0.05), this suggests the differences you observed are statistically significant, and you would reject the null hypothesis.

When comparing the results, note that 95 percent of all confidence intervals constructed in this way contain the true value of the population mean statistic.

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What is the answer to 6= a/4 + 2

Answers

Solve for a.

6 = a / 4 + 2

Subtract 2 from both sides.

4 = a / 4

Multiply both sides by 4.

16 = a

Hope this helps!
Solve for a by simplifying both sides of the equation, then isolating the variable.

a=16

Explain how you round the weights of fruits?

Answers

Cut the fruit till it is a round shape
Quite simple, but can be confusing if not done right. For example, 12.79 lbs rounded to the nearest tenth is 12.8 lbs. Another example is 13.52, 13.52 rounded to the nearest whole number is 14. 

Gary is buying a $1,250 computer on the installment plan you makes a down payment on of $150 she has to make monthly payments of $48.25 for two and a half years what is the finance change

Answers

1250-150=1100
2 1/2 years = 30 months
30*48.25 = 1447.5 - 1100 = $347.5 is you Answer

Answer:

$347.6

Step-by-step explanation:

The computer cost $1250. If Gary made a down paymnet of $150, $1100 is left to be paid. The financial cost per month is $48.25. For two and a half years this amount must be multiplied by the number of months. In two and a half years there is:

[tex]=12+12g+6=30[/tex]

30 months. Gary pays

[tex]=30\cdot{48.25}=1447.5[/tex]

$1447.5 for 30 months. The original amount was $1250. Cary pays a total of:

[tex]=150+1447.6=1597.6[/tex]

The financial change is:

[tex]1597.6-1250=347.6[/tex]

Which distribution has a mean of 5? poisson with λ = 25 binomial with n = 200, π = .05 hypergeometric with n = 100, n = 10, s = 50?

Answers

Hypergeometric with N = 100, n = 10, s = 50 has mean n s / N = 10*50/1000 = 5.

li started a pool cleaning business. She purchased cleaning supplies and charged the same amount for each pool cleaned. The expression −243+24x−243+24x represents the profit Tali has earned from cleaning pools. Which expression represents the total amount Tali earns from pool cleaning?


answer is one of these (x , 24, -243 , 24x )












Answers

Tali makes a profit of â’243+24xâ’243+24x. Since she made a profit and not a loss, the positive terms are the total amount paid to her for all the pools that she cleaned. On the other hand, the negative terms would be the cost of the cleaning supplies that she purchased for the work Hence, the total amount Tali earns from pool cleaning is 24x+24x = 48x However since she charged the same amount for each pool cleaned, it means that she charged x amount for 48 pools. Answer is "x"

G verify that the divergence theorem is true for the vector field f on the region
e. f(x, y, z) = z, y, x , e is the solid ball x2 + y2 + z2 ≤ 36

Answers

[tex]\mathbf f(x,y,z)=\langle z,y,x\rangle\implies\nabla\cdot\mathbf f=\dfrac{\partial z}{\partial x}+\dfrac{\partial y}{\partial y}+\dfrac{\partial x}{\partial z}=0+1+0=1[/tex]

Converting to spherical coordinates, we have

[tex]\displaystyle\iiint_E\nabla\cdot\mathbf f(x,y,z)\,\mathrm dV=\int_{\varphi=0}^{\varphi=\pi}\int_{\theta=0}^{\theta=2\pi}\int_{\rho=0}^{\rho=6}\rho^2\sin\varphi\,\mathrm d\rho\,\mathrm d\theta\,\mathrm d\varphi=288\pi[/tex]

On the other hand, we can parameterize the boundary of [tex]E[/tex] by

[tex]\mathbf s(u,v)=\langle6\cos u\sin v,6\sin u\sin v,6\cos v\rangle[/tex]

with [tex]0\le u\le2\pi[/tex] and [tex]0\le v\le\pi[/tex]. Now, consider the surface element

[tex]\mathrm d\mathbf S=\mathbf n\,\mathrm dS=\dfrac{\mathbf s_v\times\mathbf s_u}{\|\mathbf s_v\times\mathbf s_u\|}\|\mathbf s_v\times\mathbf s_u\|\,\mathrm du\,\mathrm dv[/tex]
[tex]\mathrm d\mathbf S=\mathbf s_v\times\mathbf s_u\,\mathrm du\,\mathrm dv[/tex]
[tex]\mathrm d\mathbf S=36\langle\cos u\sin^2v,\sin u\sin^2v,\sin v\cos v\rangle\,\mathrm du\,\mathrm dv[/tex]

So we have the surface integral - which the divergence theorem says the above triple integral is equal to -

[tex]\displaystyle\iint_{\partial E}\mathbf f\cdot\mathrm d\mathbf S=36\int_{v=0}^{v=\pi}\int_{u=0}^{u=2\pi}\mathbf f(x(u,v),y(u,v),z(u,v))\cdot(\mathbf s_v\times\mathbf s_u)\,\mathrm du\,\mathrm dv[/tex]
[tex]=\displaystyle36\int_{v=0}^{v=\pi}\int_{u=0}^{u=2\pi}(12\cos u\cos v\sin^2v+6\sin^2u\sin^3v)\,\mathrm du\,\mathrm dv=288\pi[/tex]

as required.

There are 8 people fishing at Lake Connor: 5 have fishing licenses, and 3 do not. An inspector chooses two of the people at random. What is the probability that the first person chosen has a license and the second one does not? Write your answer as a fraction in simplest form.

Answers

Answer:3/28

Step-by-step explanation:

The probability that the first person chosen has a license and the second one does not is 15/56

What is probability?

A probability is a number that reflects the chance or likelihood that a particular event will occur.

Probabilities can be expressed as proportions that range from 0 to 1, and they can also be expressed as percentages ranging from 0% to 100%.

Given that, there are 8 people fishing at lake 5 have fishing licenses, and 3 do not. An inspector chooses two of the people at random. we need to find the probability that the first person chosen has a license and the second one does not

Let us consider the possibility of the first person not having a license, which is:

3/7

Now, after a person has been chosen, there will be 7 people remaining. Assuming that the first person chosen did not have a license, there will be 2 people left in the group without a license.

So, the probability of choosing a person without a license the second time will be:

3/7

In probability, when two events occur together (the word "and" is used), multiplication is carried out.

Therefore, we multiply the two probabilities to get:

5/8 x 3/7 = 15/56

Hence, The probability of choosing two people without a license is 15/56

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Ryan is a software salesman. His base salary is $2500 , and he makes an additional $90 for every copy of History is Fun he sells. Let P represent his total pay (in dollars), and let N represent the number of copies of History is Fun he sells. Write an equation relating P to N . Then use this equation to find his total pay if he sells 21 copies of History is Fun.

equation:
total pay if 21 copies are sold?

Answers

I believe the answer would be $4190

NEED HELP FAST!!!!

Solve the equation.
3x/5 - 0.5 = 1.9

A. 2.3
B. 0.16
C. 4
D. 16

Please explain your answer.

Answers

3x/5-0.5 = 1.9
      +0.5  +0.5
————————
3x/5 = 2.4
   x5     x5
___________
3x = 12
x = 4

What is green and famous for running away from jail?

Answers

Escape peas. It is a joke (cause someone to laugh/cause amusement), an example of a joke in English. Jokes are popular because children learn them. Jokes can be an element of mood change for adults. The peas mean the "green" and the escape is related to the "famous for running away from jail" part.

1)The range of the following relation: R {(3, -5), (1, 2), (-1, -4), (-1, 2)} is

{-1, 1, 3}
{-5, -4, 2}
{-1, -1, 1, 3}
{-4, -5, 2, 2}


2) The domain of the following relation: R {(3, -2), (1, 2), (-1, -4), (-1, 2)} is

{-1, 1, 3}
{-1, -1, 1, 3}
{-4, -2, 2, 2}
{-4, -2, 2}

Answers

The range of the first relation is {-5, -4, 2}, and the domain of the second relation is {-1, 1, 3}.

The range of a relation is the set of all second elements in each ordered pair. For the relation R = {(3, -5), (1, 2), (-1, -4), (-1, 2)}, the range is the set of second elements {-5, 2, -4, 2}. When we list the unique values, we get the range as {-5,-4, 2}.

The domain of a relation consists of all the first elements in each ordered pair. Given the relation R = {(3, -2), (1, 2), (-1, -4), (-1, 2)}, the domain is the set of first elements {3, 1, -1, -1}. The domain with unique values is {-1, 1, 3}.

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