Understand your numbers before you fall in love with a home.
The right loan structure can shape your monthly payment and how quickly you build equity. Start with an estimate, then let's connect you with a trusted lending team for real numbers.
Estimate your monthly payment.
- Principal & interest
- Property tax
- Homeowners insurance
- Mortgage insurance (est.)
- HOA
- Loan amount
- Down payment
Estimates only, for educational purposes. Not a loan offer or commitment to lend. Mortgage insurance is a rough estimate and varies by loan program. Mello-Roos and other assessments are not included. Your lender will provide official figures.
Common paths to homeownership.
A quick overview. A licensed loan officer will help you choose what fits your situation best.
FHA
Government-backed with low down payment options and more flexible credit guidelines. A popular first-time buyer choice.
Conventional
Options with as little as 3% down for qualified buyers. Mortgage insurance can be removed as you build equity.
VA
For eligible veterans and service members, often with no down payment and no monthly mortgage insurance.
Down payment assistance
State and local programs (including CalHFA options) may help with your down payment or closing costs.
Non-QM & self-employed
Bank-statement and alternative documentation loans for business owners and nontraditional income.
DSCR & investor loans
Qualify based on a property's rental income. A useful tool for growing a portfolio. Investor services.
Thinking beyond approval.
I've invested in understanding the mortgage side of every transaction because it directly affects your options. How a loan is structured can change your monthly payment, your cash to close, and how quickly you build equity.
I work closely with a trusted lending team. I'll make the introduction, help you gather what's needed, and keep everything moving so your loan and your purchase stay in sync.
Get connected with a lender
Tell me a bit about your goals and I'll introduce you to a lending partner who fits your situation, whether that's first-time buyer, self-employed, or investor.
Connect me