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Buying a home?

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Get StartedLoan Comparison Calculator

No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best deal possible!

Conventional

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FHA

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VA

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Jumbo

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Renovation

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USDA

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HELOC

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Land loans

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Commercial Loans

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First Time Buyers Programs

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SBA Loans, Hard Money

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DSCR

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Bank Statement Loans

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No Income Loan

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Bridge Loans

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How the process works

1

Documentation

There are a few critical documents we will need to verify to start your process.

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2

Appraisal

The appraisal ensures the home you are buying is worth the price that is being offered.

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3

Initial Underwriting

The Underwriter will verify that all information is accurate and authentic.

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4

Conditional Approval

Conditional Approval is granted when the Underwriter approves the loan under certain conditions.

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5

Clear To Close

The Underwriter verifies that all documentation has been provided and all conditions have been met.

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6

Closing

Signing the final documentation and receiving the keys to your new home!

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Curious about what loan option makes the most sense for you? Test it out by using our Comparison Mortgage Calculator…

Our mortgage calculators are for demonstration purposes only and may not reflect actual numbers for your specific mortgage. Contact us and we will walk you through the best possible mortgage scenario for your specific needs!

Loan Option A
Loan Type
Rate Type
$
$50,000 $2 Million
$
%
0% 80%
Loan Term
%
0% 20%
  • Active/Veteran
  • National Guard/Reserve
  • Surviving Spouse
VA Specifics
Loan Option B
Loan Type
Rate Type
$
$50,000 $2 Million
$
%
0% 80%
Loan Term
%
0% 20%
  • Active/Veteran
  • National Guard/Reserve
  • Surviving Spouse
VA Specifics
Advanced (optional)
Credit Score
$
%
0% 5%
$
%
0% 20%
$ /month
Rate Adjustment Settings
Expected Rate Direction
%
0% 2%
%
2% 10%
%
0% 5%
Total cost after
Loan Option A: $0
Loan Option B: $0
years
Total cost over years
TOTAL COST
YEARS
Option A $/mo
Loan Type
Loan Amount $
Interest Rate %
Upfront Cost $
Monthly Payment $
Lifetime Cost $
Option B $/mo
Loan Type
Loan Amount $
Interest Rate %
Upfront Cost $
Monthly Payment $
Lifetime Cost $
Save & Email Results
Estimated Costs
These costs are estimated based the information added in the advanced section. You may adjust these values to suit your particular situation in order to get a more accurate estimate.
Loan Option A
Loan Option B
Loan Amount
$
$
Down Payment
$
$
Interest Rate
%
%
Loan Term
years
years
Taxes & Insurance Included?
Property Tax(1st year)
$
$
Home Owners Insurance(1st year)
$
$
HOA dues
$
$
Home Appreciation
%
%
Upfront Fee
$
$
Total upfront fees
$
$
Total Interest Payments
$
$
Total Principal Payments
$
$
Lifetime Cost
$
$
How We Calculate the Costs
Comparing Mortgage Options This calculator helps you compare two different mortgage options. It takes into account various factors for each option: Loan Details:
  • Loan type (Conventional, FHA, VA, USDA)
  • Loan amount
  • Interest rate
  • Loan term
  • Down payment amount
Additional Costs:
  • Property taxes
  • Homeowners insurance
  • HOA fees
  • Private Mortgage Insurance (PMI) if applicable
Upfront Fees The calculator considers upfront fees, which can vary based on the loan type:
  • Conventional loans: Typically closing costs (2-5% of loan amount)
  • FHA loans: Upfront Mortgage Insurance Premium (UFMIP) of 1.75% of the loan amount
  • VA loans: VA Funding Fee (varies based on down payment and use)
  • USDA loans: Upfront guarantee fee of 1% of the loan amount
These fees can often be rolled into the loan amount, which is an option in the calculator. Assumptions and Calculations The calculator makes several calculations and assumptions:
  • Monthly mortgage payment (principal and interest)
  • Total interest paid over the life of the loan
  • Total cost of the loan (including upfront fees, monthly payments, and additional costs)
  • Annual home appreciation rate: %
Comparison Metrics The calculator compares the two options based on:
  • Monthly payment
  • Total upfront costs
  • Total cost over the life of the loan
  • Break-even point (if applicable)
You can adjust the values in the calculator, including in the advanced settings, to better reflect your specific situation. This allows you to compare different scenarios, such as a 30-year fixed rate mortgage versus a 15-year fixed rate, or comparing loans from different lenders with varying terms and fees. Keep in mind that while this calculator provides a comprehensive comparison, your actual costs may vary based on your specific circumstances, credit score, and local market conditions. It's always recommended to consult with a mortgage professional for personalized advice.

Check out our other mortgage calculators

Access our top-rated mortgage calculators to expertly assess your financing options, compare various loan types, and make informed decisions for your home buying journey.

Affordability Calculator

Assess how much home you can afford based on your income, expenses, and desired down payment.

Early Payoff Calculator

See how making extra payments can help you pay off your mortgage faster and save on interest.

Rent vs Buy Calculator

Compare the costs of renting versus buying a home to determine the best financial decision for your situation.

HELOC Calculator

Is a HELOC right for you? Check out how much you can take out and what the payment looks like!

Rate Buydown Calculator

Check out how much you can save with a seller-paid rate buydown.

Mortgage Payment Calculator

See what your monthly payment could be with our general repayment mortgage calculator.

Mortgage Comparison Calculator

Compare different mortgage options side by side to find the best fit for your financial needs.

DSCR Investor Calculator

See what your investor ratio is with our DSCR calculator.

Refinance Comparison Calculator

Evaluate the potential savings and costs associated with refinancing your existing mortgage.

Adjustable Rate Mortgage Calculator

Determine your potential monthly payments and interest costs for an adjustable-rate mortgage over time.

VA Calculator

Estimate your monthly payments and total costs for a loan backed by the Department of Veterans Affairs.

Jumbo Calculator

Calculate your monthly payments and total costs for a jumbo mortgage that exceeds conforming loan limits.

FHA Calculator

Determine your potential monthly payments and total costs for a Federal Housing Administration loan.

Conventional Calculator

See the monthly payment and total cost for a conventional mortgage loan.

USDA Calculator

Calculate the costs and monthly payments associated with a USDA Rural Development loan.

203k Renovation Calculator

Analyze your debt service coverage ratio to evaluate the profitability of an investment property.

Meet Our Team

Providing a next level financing foundation:

  • Having over 100 partner relationships with the top lenders in the country means we are able to shop for the most competitive rates for you- saving you time and money!
  • Our significant experience in the industry coupled with our hands-on experience as real estate investors and owners leverage the ability to provide more informed advice for helping to reach personal real estate goals.
  • With streamlined systems and personnel, we are able to provide a FAST loan process while also saving our clients thousands of dollars in lender junk fees!

Brandon Boicelli //  Mortgage Broker

Callie Hanft // Partner/Business Development

April Rosetta

April Rosetta // Processing Manager

We have many other loan officers licensed throughout the country who can assist with out of state purchases or refinances. Please reach out for any connections needed.

Contact Us