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We've Got Flexible Financial Products To Meet Your Needs
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 Want to receive a three loan scenario estimate? Just enter your information below and we'll send you a good faith estimate, Truth-In-Lending, and a 3 loan comparison to help you decide which loan is right for you. For example, we'll compare a 30 year fixed rate loan next to a FHA loan, next to a interest only, or Adjustable Rate Loan, all side-by-side for easy comparison. Remember, we'll meet or beat any competitor's offer when you arrange your home purchase and financing with us. To begin, please click on "Loan Center" on the menu bar, then click on "Apply Now".
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Calculators
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Let us help you find out what you can afford! Our mortgage calculator will help you determine loan amounts, mortgage qualification, or whether you should be renting or buying.
Complete the fields below (e.g., Cost of Home, Down Payment, Monthly Income) and click Calculate Now. To view the different results of your calculation, click on the various tabs. To mail yourself a copy of your results, click the Receive this Detailed Analysis link.
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Results
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Receive this Detailed Analysis
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Your Monthly Payments
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| Income Needed to Qualify for the Mortgage |
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| Qualifying Income of
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| Qualifying Income of % TDS Ratio: |
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| What You Can Afford |
| We are using the % ratio.
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| Cost of House: |
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| Loan Value: |
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| Note: Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] / (monthly interest rate/ function of interest rate) |
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Please use the calculators provided for you below to get an idea of your:
MONTHLY PAYMENT CALCULATOR - This tool will calculate your monthly payment based on the loan amount, interest rate, and term that you provide.
PRE-QUALIFY CALCULATOR - This calculator will give you a sense of how much you may be able to borrow. Please note that prequalification is different from a preapproval. Prequalification gives you an estimate of how much you may be able to borrow. Preapproval, on the other hand, indicates that you have been approved for a set loan amount prior to property selection.
RENT VS. OWN CALCULATOR - To estimate the benefits of of owning a home as opposed to renting
PAYMENT SCHEDULE CALCULATOR - This calculator will calculate the breakdown of principal and interest payments for each year that you will be paying for the life of the loan. You can also view the monthly breakdowns.
EXTRA PAYMENT CALCULATOR -
HOW MUCH CAN I AFFORD? CALCULATOR - By entering in your desired monthly payment, interest rate, and term, we can calculate the maximum loan amount you can afford. This calculation does not include any other fees that might be included with your mortgage payments.
CONTACT US - For your FREE MORTGAGE CONSULTATION TODAY! |
Concerning Your Credit Rating
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 The following CREDIT reports are available FREE of charge to assist you with managing your credit. Don't miss out on other insightful reports about real estate and mortgage throughout this site.
WHAT YOU MUST TAKE AWAY FROM THIS PAGE is that major life events such as marriage, divorce, purchasing a home, having children and death of a spouse may impact your credit. Actively monitoring and managing your credit will position you to maximize your purchasing power and therefore choose from a wider range of options when you need to borrow.
It is not uncommon to find mistakes on credit reports. Recent studies indicate that up to 45 percent of all credit reports contain erroneous information. Individuals have the right to challenge such items. Unfortunately, negative items on your credit report can only be improved with time. Beware of “Credit Repair” clinics that can do nothing to fix your credit report that you can’t do yourself for free.
Even if you have “bad credit” or “no credit” there are steps you can take to improve your credit report such as obtaining local reference letters from landlords and or utility companies. If there are unusual circumstances, often a letter of explanation will clarify emergencies, extended out-of town during the payment period, banks which held checks until they are cleared, medical problems, bills sent to the wrong address, etc.
When applying for credit, pull your own credit report first (this is called a soft inquiry and won’t hurt your scores). With your credit report in hand, go visit local banks or credit unions. Show them the reports and don’t allow them to pull a credit report of their own unless they can say for sure you will be approved. This way you save unnecessary pulls on your credit report if they decline you. If they say you are approved, then they will need to pull a credit report to execute the deal.
To receive your FREE 10 MINUTE CREDIT CONSULTATION with NO OBLIGATION please fill out the form below! Be sure to ask us about our RAPID RESOLVE PROGRAM to expedite the resolution of your credit disputes and rescore of your credit report. |
 The following FINANCE REPORTS are available FREE of charge to assist you when making decisions about obtaining a mortgage or refinancing your current mortgage. Don't miss out on other insightful reports about credit and real estate topics throughout this site!
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Feedback Form
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Whether you are planning to buy your first home or sell your existing home, contact us today!
We'd love to hear from you!
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