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first_imgA new study released by Bankrate, Inc. (Nasdaq: RATE) shows that the cost of getting a mortgage has fallen nationwide, a reflection of the price shift in the housing market. Nationwide, the average origination and title fees on a $200,000 mortgage this year totaled $2,732, down from $3,118 in 2008. In the study’s geographical breakdown, Texas leads the nation at an average fee of $3,855, with New York City, Florida, San Francisco and Oregon rounding out the top five. Nevada is the least expensive area with an average fee of $2,276, replacing North Carolina at the bottom of the list. To view the complete study and analysis of the data, as well as tips on what to look for in closing costs when getting a mortgage, go to http://www.bankrate.com/finance/mortgages/state-by-state-closing-costs8-(link is external)…. “Consumers need to keep a look out for the standard fees when figuring out the true cost of their new home,” said Holden Lewis, senior reporter with Bankrate.com. “Even as the average closing costs go down across the nation, some of these surprise costs can make your new home deal more expensive than you initially thought.” For this study, Bankrate surveyed one area in 49 states, two areas in California (Los Angeles and San Francisco) and the District of Columbia. Researchers picked a ZIP code in some of the largest cities in each state and requested information on the closing costs for at $200,000 loan. They requested fees on a 30-year, fixed-rate mortgage for a borrower with a 20 percent down payment and good credit to buy a single-family house. Bankrate’s survey includes lenders’ origination fees and title and settlement fees, and not taxes or prepaid items. Title and 2009 2008 State or city Origination closing Total —- —- ————- ———– ——- —– 1 2 Texas $1,566 $2,290 $3,855 2 1 New York – NYC $1,038 $2,370 $3,408 3 4 Florida $1,369 $1,999 $3,368 4 11 California – San Fran $1,264 $1,853 $3,117 5 19 Oregon $1,310 $1,750 $3,059 6 9 Alaska $1,183 $1,829 $3,012 7 8 Pennsylvania $1,137 $1,872 $3,009 8 5 Oklahoma $1,238 $1,748 $2,986 9 12 Ohio $1,222 $1,760 $2,982 10 34 Washington $1,329 $1,578 $2,906 11 41* North Dakota $1,349 $1,555 $2,904 12 24 Tennessee $1,285 $1,616 $2,901 13 6 New Mexico $1,143 $1,739 $2,882 14 13 California – Los Angeles $1,264 $1,597 $2,861 15 35 Virginia $1,312 $1,546 $2,858 16 45 Utah $1,238 $1,614 $2,852 17 31 Arkansas $1,232 $1,620 $2,852 18 21* Massachusetts $1,132 $1,689 $2,822 19 17 Michigan $1,398 $1,404 $2,802 20 15 West Virginia $1,106 $1,640 $2,746 21 20 Hawaii $1,224 $1,515 $2,739 22 38 Wisconsin $1,430 $1,304 $2,734 23 32 Louisiana $1,082 $1,637 $2,720 24 16 Connecticut $1,188 $1,512 $2,700 25 30 Mississippi $1,229 $1,459 $2,689 26 25 South Carolina $1,159 $1,528 $2,687 27 29 Idaho $1,214 $1,446 $2,660 28 7 New Jersey $931 $1,725 $2,656 29 10 Colorado $1,161 $1,494 $2,655 30 21* Alabama $1,276 $1,369 $2,645 31 43 Georgia $1,151 $1,487 $2,638 32 52 South Dakota $1,369 $1,256 $2,625 33 36 Montana $1,287 $1,324 $2,611 34 49* Wyoming $1,346 $1,256 $2,602 35 26 Delaware $1,135 $1,443 $2,579 36 41* New Hampshire $1,147 $1,428 $2,575 37 49* Iowa $1,027 $1,546 $2,574 38 40 Minnesota $1,143 $1,418 $2,561 39 27 Arizona $1,088 $1,453 $2,541 40 23 Maryland $1,095 $1,418 $2,513 41 28 District of Columbia $1,117 $1,384 $2,502 42 39 Rhode Island $954 $1,542 $2,495 43 48 Illinois $1,279 $1,207 $2,486 44 14 Kentucky $1,071 $1,401 $2,472 45 44 Nebraska $1,167 $1,286 $2,453 46 56 North Carolina $1,155 $1,276 $2,431 47 54 Missouri $1,186 $1,243 $2,429 48 47 Vermont $1,040 $1,386 $2,426 49 53 Maine $1,097 $1,322 $2,419 50 46 Indiana $1,145 $1,272 $2,417 51 55 Kansas $1,019 $1,341 $2,361 52 33 Nevada $946 $1,331 $2,276 *tiedAbout Bankrate, Inc.The Bankrate network of companies includes Bankrate.com, Interest.com,Mortgage-calc.com, Nationwide Card Services, Savingforcollege.com, FeeDisclosure, InsureMeCreditCardGuide.com and Bankaholic. Each of thesebusinesses helps consumers to make informed decisions about their personalfinance matters. The company’s flagship brand, Bankrate.com is a destinationsite of personal finance channels, including banking, investing, taxes, debtmanagement and college finance. Bankrate.com is the leading aggregator ofrates and other information on more than 300 financial products, includingmortgages, credit cards, new and used auto loans, money market accounts andCDs, checking and ATM fees, home equity loans and online banking fees.Bankrate.com reviews more than 4,800 financial institutions in 575 markets in50 states. In 2008, Bankrate.com had nearly 72 million unique visitors.Bankrate.com provides financial applications and information to a network ofmore than 75 partners, including Yahoo! (Nasdaq: YHOO), America Online (NYSE:TWX), The Wall Street Journal and The New York Times (NYSE: NYT).Bankrate.com’s information is also distributed through more than 500newspapers.For more information contact:Chris SpagnuoloPublic Relations [email protected](link sends e-mail)(917) 368-8671www.bankrate.com(link is external)SOURCE Bankrate, Inc. NEW YORK, Sept. 2 /PRNewswire-FirstCall/ —last_img read more

State must stop wasting tax money

October 20, 2020 | zelepmlo | No Comments

first_imgCategories: Letters to the Editor, Opinion As a New York state taxpayer, along with most of you readers, I’m appalled at the lack of outrage regarding the current state budget that was just recently pushed through. Some examples of extreme waste are $3 million that was allotted to the Dick’s Sporting Goods Golf Tournament — yes, $3 million. Also, $300,000 was given to Cornell University for “concord grape research,” as well as $100,000 to the town of East Hampton for “tourism initiatives.” Trust me, this is a town that doesn’t need this kind of help. There are many other examples of money given for these “pet projects,” which in my opinion, could have been better spent elsewhere.We have roads loaded with potholes and infrastructure that’s falling apart around us, yet those worthy causes didn’t get the money they need. Just to get out in time for the Easter and Passover holidays, lawmakers chose to fund these other unworthy causes.  What about organizations and institutions established to help the poor and those in need? Food pantries and homeless shelters are in constant need of funds and supplies to help the many who go hungry and have nowhere to sleep in New York state every day. Apparently, they’re less important than a golf tournament.Let’s send out a message to our elected representatives on Election Day, or messages to their respective offices even sooner. This isn’t how I want our money spent.Come on, lawmakers, get your act together. Do your jobs and earn our respect. Fund the causes that truly need it — and not spend billions in pork-barrel spending. And you wonder why people are disgusted.Margaret HesdorferSchoharieMore from The Daily Gazette:EDITORIAL: Beware of voter intimidationFoss: Should main downtown branch of the Schenectady County Public Library reopen?EDITORIAL: Thruway tax unfair to working motoristsEDITORIAL: Urgent: Today is the last day to complete the censusEDITORIAL: Find a way to get family members into nursing homeslast_img read more