Hey Matt,
There are several things that you should be looking into.
First, conventional lenders have financing restrictions for foreign nationals. I assume you have no residency status in the US. Many will want some type of VISA as well.
Second, rehab/hard money lenders, will not all work with international borrowers.
You’ll most likely need work with a mortgage consultant/broker/loan officer (all the same thing) as they will have access to the lenders you will need.
Fees you will typicall see here in the US are:
Origination (brokers commission/compensation) and this will vary in range depending on the loan amount, interest rates you selected, and other factors.
Discount points are used to buy down your interest rate.
1 pt is equal to 1% of your loan amount
Broker fees (some brokers have to pay their company a fee)
Credit report -$15-$20
Lender fee - paid to the company your broker sets the loan up with. $600-$800 (incl. tax and flood fees)
Processing Fee - A broker will turn over the file to his processing staff. Some offices have processing internally, others use contract companies. Range from $400-$550
Appraisal - $300 avg
Title company - $1000 to $1500 (depends on loan size and the amount of business done with them) A little less for refinancing vs. purchases. Some states require attorneys to be used and this may be a bit more.
Most leders want home owners insurance paid upfront for at least 1 year. If you choose to have the lender set up an escrow account to pay the taxes and insurance then they will collect about 2 months of monthly payments for those upfront.
Interest from the day you close to the last day of the month is also paid upfront.
I highly recommend having a consultation with a mortgage consultant about your goals and options available.
Certain states have their own set of fees related to taxes and other misc. feels