PURCHASE
Buying a Home?
Start With a Clear Homebuying Plan
Buying a home starts with understanding what fits your budget and the property you want. Matt can help you review your down payment, funds for closing, income documentation, existing debts, and expected monthly payment before you make an offer.
Whether you are buying your first home, considering a condo, or purchasing an investment property, Matt will discuss available financing options and what the lender may need to review. Final approval depends on the borrower, property, and applicable loan conditions.
FLEXIBLE FINANCING OPTIONS
Find the Right Home Loan for Your Next Move
No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best deal possible!
Jumbo
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Investment Property Loans
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DSCR Loans
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Non-QM Loans
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Home Equity
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Bank Statement
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The Mortgage Process
Your Mortgage, Step by Step
01
Documentation
Gather the documents needed to begin reviewing your loan application.
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02
Appraisal
An appraisal helps assess the property’s value for your financing.
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03
Initial Underwriting
Your application and supporting documents are reviewed by an underwriter.
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04
Conditional Approval
Address any conditions or additional information requested for approval.
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05
Clear to Close
Once final requirements are met, your loan can move toward closing.
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06
Closing
Complete final paperwork and funding to finish your mortgage transaction.
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Check out what your monthly payment could be by using our general Mortgage Payment Calculator…
Our mortgage calculators are for demonstration purposes only and may not reflect actual numbers for your specific mortgage. Contact us and we will walk you through the best possible mortgage scenario for your specific needs!
Principal & Interest (P&I)
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PMI
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Taxes & HOA
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Homeowners Insurance
$
Purchase Price
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Down Payment
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Total Loan Amount
$
PMI
The PMI (Private Mortgage Insurance) is a mortgage lenders' protection in the event of a default. PMI is paid monthly as part of your mortgage payment to the lender. Once a borrower has paid the equivalent of the 20% down payment, PMI can be removed from the monthly mortgage payment.
Estimated Payment
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Loan amount
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Down payment
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Interest rate
Loan term
Taxes & insurance included?
Property tax
Homeowner's insurance
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Mortgage insurance
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HOA dues
$
Payment Breakdown
Amortization
Principal vs. Interest
Amortization Schedule Breakdown
Our detailed amortization schedule breaks down your mortgage payments, showing how they are split between interest and principal over the life of your loan.
Note: The actual monthly payment may be higher than what is shown here, as this schedule does not account for variable costs such as property taxes and home insurance, which are often included in your total mortgage payment.
- Principal payments: $$240,000 (the amount borrowed)
- Interest payments: $$297,554 (the cost of borrowing)
Free Tools
Check out our other mortgage calculators
Access our top-rated mortgage calculators to expertly assess your financing options, compare various loan types, and make informed decisions for your home buying journey.
Affordability Calculator
Assess how much home you can afford based on your income, expenses, and desired down payment.
Rate Buydown Calculator
Check out how much you can save with a seller-paid rate buydown.
Experience That Goes Beyond the Loan
Meet Matt Roth
Real Estate Broker | Mortgage Loan Broker | Rocket Pro Partner
With 33+ years of experience in California real estate, Matt Roth brings a unique advantage to the mortgage process: he understands both the financing and the real estate transaction. His reconciled sales history includes 87 unique closed real estate sales totaling $57,291,499 across TheMLS and SDMLS, excluding leases, rentals, and duplicate transactions.
As a California Mortgage Loan Broker partnered with Rocket Pro, the wholesale division of Rocket Mortgage, Matt helps homebuyers, homeowners, and real estate investors explore competitive financing solutions while providing personalized, hands-on service from application through closing.
Originally licensed in California on April 7, 1993, Matt obtained his Real Estate Broker license on July 6, 2004. He understands the offer, appraisal, contingencies, escrow, and closing process—and what it takes to keep a transaction moving.
Matt Roth | CA DRE #01153470 | NMLS #1986483 | Co. NMLS #2102875
SCAN TO START YOUR LOAN APPLICATION
Quickly access our online loan application and get pre-approved directly from your mobile device. Use the camera on your phone to scan the code.
