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.

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We'll begin with a chat about your goals

and how we can make your home-buying journey

as smooth and successful as possible.

WHAT MY CLIENTS ARE SAYING

Ryan Gordon

Jessica was amazing to work with! From start to finish, she demonstrated an impressive depth of knowledge about the real estate market, guiding us with clarity and confidence every step of the way. She was incredibly responsive, always quick to answer our questions, provide updates, and offer reassurance, no matter how busy things got. Jessica's negotiation skills were very impressive. She advocated for us fiercely and ensured we got the best possible deal, even in a competitive market. When unexpected challenges arose, Jessica’s problem-solving skills saw her tackle every obstacle with creativity and professionalism, making what could have been a stressful process feel seamless and manageable. What truly sets Jessica apart is her warm, caring nature. She genuinely wanted what was best for our family and went above and beyond to help us secure our dream home. Whether it was scheduling last-minute showings, offering helpful advice, or simply checking in to make sure we were comfortable throughout the process, Jessica exceeded our expectations in every way. If you're looking for a realtor who is knowledgeable, skilled, and deeply committed to her clients, look no further. We are so grateful for everything Jessica did for us and couldn’t recommend her highly enough!

Daniel Kim

Jessica exhibited great professionalism during the entire moving-in process. She ensured that the property was in a suitable condition for occupancy. I highly recommend her services.

Leila zubin

My family and I had an AMAZING experience working with Jessica! We were nervous to find a new home in a new city and Jessica made the process so smooth and easy, she even went out of her way to make sure we got what we wanted when finding a new house to rent. I 100% recommended using her to find you or your family a home. Thank you Jessica !

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.