Resources

Mortgage Calculators

Conventional mortgages suit buyers with good credit and a down payment, usually 5%–20%. They have higher income and credit score requirements than government loans.

Purchase Price $

Mortgage Term

Down Payment ($)

Annual Taxes ($)

Interest Rate (%)

Mortgage Insurance Rate (%)

Annual Insurance $

Monthly HOA $

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$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county.

Purchase Price $

Mortgage Term

Down Payment ($)

Annual Taxes ($)

Interest Rate (%)

Annual Insurance $

Monthly HOA $

Want a Copy of the Results?

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Up-Front MIP (1.75%)$0

Monthly Mortgage Insurance $0

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

First Time VA Loan?

Mortgage Term

Purchase Price $

Down Payment ($)

Interest Rate ($)

Annual Taxes ($)

Annual Insurance ($) $

Monthly HOA $

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$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!

Annual Income $

Monthly Debts $

Estimated annual property taxes $

Estimated Annual Home Insurance $

Down Payment $

Interest Rate %

Loan Term

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You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

Curious about refinancing your home? Now may be the right time to start saving money every month!

Current Loan Amount $

Interest Rate %

Current Term months

Origination Year

New Loan Amount $

New Interest Rate %

New Loan Term months

Refinance Fees $

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Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

Frequently Asked Questions

Buying or refinancing a home can feel overwhelming, but it doesn’t have to be. To help make things simple, we’ve put together answers to the most common questions our clients ask.

What is the difference between a mortgage broker and a bank?

A mortgage broker works with multiple lenders to find you the best loan program, while a bank can only offer its own products. As brokers, we shop on your behalf, compare rates and terms, and match you with the right solution for your needs.

How much do I need for a down payment?

Down payments vary depending on the loan program. Conventional loans often require as little as 3–5%, while FHA loans start at 3.5%. VA and USDA loans may require no down payment at all. We’ll help you explore all options to minimize upfront costs.

What documents will I need to apply for a mortgage?

Typically you’ll need proof of income, asset documentation, mortgage statement, a front copy of an ID. This will depend between programs; your mortgage expert will provide further clarity.

How long does the mortgage process take?

On average, the process takes 30 days from application to closing. Factors like appraisal timelines, document submission, and underwriting can affect the speed. We work proactively to keep your loan moving smoothly and on schedule. It’s not unusual to see closings in 7-14 days.

Do I have to pay the broker directly?

No, our compensation typically comes from the lender, not the borrower. This means our services are available to you at no direct cost, and you benefit from having an expert shop the market on your behalf.

Helpful Material

Explore some helpful guides and tools designed to simplify your mortgage journey.

Home Loan Tool Kit

Purchasing

Refinancing

Glossary

Your mortgage dictionary because nobody speaks Mortgage as a first language… except us.

Glossary of Key Mortgage Terms