The Process
Three steps. No surprises.
01
We Run Your Numbers
We look at affordability, monthly payment scenarios, and what loan type fits your situation. You leave this conversation knowing your real budget — not an estimate.
02
You Get Pre-Approved
Once we decide to move forward, I pull your pre-approval — usually within 24 hours. That letter is your proof to sellers that you're serious.
03
I Handle the Rest
From offer to closing, I manage every step on the mortgage side. You focus on finding the home. I focus on the financing.
Plug in & play
Get a rough estimate of affordability.
A quick way to play with the numbers. For a proper run, reach out — local property taxes and insurance can shift these estimates.
5.0% down
* Estimates only. Actual payments may vary. Property tax and insurance are estimates.
Worth Knowing
- •VA loans don't require PMI — even at 0% down.
- •FHA loans use MIP instead, which often sticks around for the life of the loan.
- •Property tax and insurance vary by county — these are placeholders, not your actual rate.
Quick Tips
- •Get pre-approved before you tour homes — sellers take it more seriously than a pre-qual.
- •A bigger down payment can move your rate, not just your PMI.
- •Ask what programs you qualify for — VA, FHA, and first-time buyer grants can change the math.
These calculators are for estimation purposes only and are not a commitment to lend. Actual rate, payment, and eligibility depend on your full financial profile, credit, and program guidelines.
Want to see more tools? Explore all calculators →
Already own a home and thinking about refinancing? See if it makes sense →