This spread accounts for the increased risk associated with a mortgage vs. a bond. So a 10-yr bond yield of 4.00% plus the 170 basis points would put mortgage rates around 5.70%. Of course, this spread can and will vary over time, and is really just a quick way to ballpark mortgage interest rates.
If you bring an advisor, say, $100,000 of your savings and the advisor charges a 1.0% fee, you'll pay the advisor $1,000 a year. According to Forbes, these fees run from 0.75% to 1.5% of your account annually, though 2% is not uncommon.
Flat Charge. In addition to the âitemized fees and charges,â the lender may charge the. veteran a flat charge not to exceed one percent of the loan amount. Calculate the one percent on the principal amount after adding the funding fee. to the loan, if the funding fee is paid from loan proceeds (except Interest Rate.