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mortgage estimate is correct?

My wife and I are looking to buy a house. Online mortgage calculators give us an estimate approximately $ 700-800 (Diff interest rate) taxes added to the Indonesian Red Cross needed. Someone told us that they called a bank and is priced $ 980. big difference. 105K Loan to about 5%, 30 year fixed. Why the big difference and who is right?

Not knowing how their taxes you might say. principal and interest of $ 105,000.00 at 5% over 30 years would be $ 563.66 Add taxes and insurance and have your mortgage payment. I suggest to obtain an estimate in good faith that your loan officer will give the order. You need to give an estimate of taxes and insurance and calculate your payment on the basis of an interest rate that can block that day and estimated closing costs. Why go to that person, "said:" When you can get the Credit Information Officer themselves.

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