LOAN CALCULATOR

Estimate your monthly mortgage payment,
including taxes and insurance,
with our easy-to-use home loan calculator.
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Your mortgage payments over 30 years will add up to $0.

WHAT MY CLIENTS ARE SAYING

Connie Chow

I feel so lucky to have met Jessica through one of her listings and to have been represented by her just before our move to California. Even though our entire interaction was remote (we were moving from another state and never met in person), Jessica made the process seamless and stress-free. Her professionalism, responsiveness, and personable approach immediately set her apart from other agents I’ve worked with. Jessica truly listens—she made sure our needs and desires were always heard and understood. Communication was always clear and timely, whether she was providing updates, presenting our options, or discussing our positioning. She was always calm, organized, and incredibly easy to work with. Unlike other agents who can feel pushy or seem motivated by their own interests, Jessica goes above and beyond for her clients. She genuinely cares and advocates for you every step of the way. Jessica’s team also offers phenomenal services and works together seamlessly to support their clients. The level of dedication and expertise they provide—whether you’re buying or selling—is a true differentiator in the real estate world. At the very least, I recommend reaching out to learn more about what they offer. I only have great things to say about my experience working with Jessica, and I would confidently recommend her to my family, friends, and anyone reading this review. Whether you're buying, selling, or renting - you want Jessica representing you. You won’t be disappointed.

Stephen Yi

If you are looking for an exceptional realtor who will go out of her way to bat for you and make you feel that you are truly in good hands, Jessica is the right person. My wife and I had a complex transaction that involved several turns and twists. Jessica guided us through the process with a genuinely caring and positive attitude, meticulous management of documents and to do's, and making sure that our interests are represented every step of the way - for the things that we asked for, as well as other items didn't come across our mind. I work in real estate and have been involved in many deals that require white-glove treatment, well beyond what is typically expected in the residential space. Even by those standards, Jessica stood out as a unique combination of strong business acumen, willingness to work hard, and connecting with her clients to provide an exceptional experience even in a stressful environment. I would highly recommend Jessica to anyone looking for a realtor in Orange County, either on the buy side or sell side. You will not be disappointed.

Abraham Azimi

I had the pleasure of hiring Jessica Lam recently to find a rental home and I couldn't be more impressed! She acted as my agent renting a townhome in Irvine. Not only she did an excellent job, but she also showed great professionalism and honesty throughout the entire process. She spent a good amount of time ensuring everything was done right, and I really appreciated her attention getting us move in. And it's clear she takes pride in her work. Landlord left some furniture. Because he is an older man, she rented a U-Haul and moved his stuff to storage. WHO DOESTHAT? Others get their commission and walk away. I highly recommend her for any real estate needs-trustworthy, skilled! Thanks again Jessica Abraham Azimi

START HERE

We'll begin with a chat about your goals

and how we can make your home-buying journey

as smooth and successful as possible.

Real Estate Loan Terms

Annual Income

This is the combined annual income for you and your co-borrower. Include all income before taxes, including base salary, commissions, bonuses, overtime, tips, rental income, investment income, alimony, child support, etc.

Down Payment

While it's common to aim for a substantial down payment, many buyers choose options that fit their financial situation. Your down payment directly impacts your mortgage loan amount—putting more down can lower your monthly payments or allow you to consider a higher-priced home. There are a variety of loan options available, many with lower down payment requirements, so it's worth exploring what works best for you.

Loan Term

Your loan program can affect your interest rate and monthly payments. Choose from 30-year fixed, 15-year fixed, and more in the calculator.

Loan Type

There are several types of mortgage loans, but the most commonly used are fixed-rate and adjustable-rate loans. Fixed-rate loans have the same interest rate for the entire duration of the loan. That means your monthly payment will be the same, even for long-term loans, such as 30-year fixed-rate mortgages. Two benefits to this loan type are stability, and being able to calculate your total interest up front. Adjustable-rate mortgages (ARMs) have interest rates that can change over time. Typically they start out at a lower interest rate than a fixed-rate loan, and hold that rate for a set number of years, before changing interest rates from year to year. For example, if you have a 5/1 ARM, you will have the same interest rate for the first 5 years, and then your interest rate will change from year to year. The main benefit of an adjustable-rate loan is starting off with a lower interest rate.

Interest Rate

This field is pre-filled with the current average mortgage rate. Your actual rate will vary based on factors like credit score and down payment.

Property Tax

The mortgage payment calculator includes estimated property taxes based on the home's value. You can edit this in the advanced options.

Home Insurance

Home insurance or homeowners insurance is typically required by lenders, depending on the loan program. You can edit this number in the mortgage calculator advanced options.

HOA Fees

A homeowners association fee (HOA fee) is an amount of money that must be paid monthly by owners of certain types of residential properties, and HOAs collect these fees to assist with maintaining and improving properties in the association.

Debt-to-Income (DTI)

Your DTI is expressed as a percentage and is your total "minimum" monthly debt divided by your gross monthly income. The conventional limit for DTI is 36% of your monthly income, but this could be as high as 41% for FHA loans. A DTI of 20% or below is considered excellent.