PURCHASE
Buying a Home?
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!
Investment Property Loans
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DSCR Loans
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Non-QM Loans
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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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Curious about what loan option makes the most sense for you? Test it out by using our Comparison Mortgage 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!
Total cost after
1 year
years
Option A
$/mo
Loan Type
Loan Amount
$
Interest Rate
%
Upfront Cost
$
Monthly Payment
$
Lifetime Cost
$
Option B
$/mo
Loan Type
Loan Amount
$
Interest Rate
%
Upfront Cost
$
Monthly Payment
$
Lifetime Cost
$
Estimated Costs
These costs are estimated based the information added in the advanced section. You may adjust these values to suit your particular situation in order to get a more accurate estimate.
Loan Option A
Loan Option B
Loan Amount
$
$
Down Payment
$
$
Interest Rate
%
%
Loan Term
years
years
Taxes & Insurance Included?
Property Tax(1st year)
$
$
Home Owners Insurance(1st year)
$
$
HOA dues
$
$
Home Appreciation
%
%
Upfront Fee
$
$
Total upfront fees
$
$
Total Interest Payments
$
$
Total Principal Payments
$
$
Lifetime Cost
$
$
How We Calculate the Costs
Comparing Mortgage Options
This calculator helps you compare two different mortgage options. It takes into account various factors for each option:
Loan Details:
- Loan type (Conventional, FHA, VA, USDA)
- Loan amount
- Interest rate
- Loan term
- Down payment amount
- Property taxes
- Homeowners insurance
- HOA fees
- Private Mortgage Insurance (PMI) if applicable
- Conventional loans: Typically closing costs (2-5% of loan amount)
- FHA loans: Upfront Mortgage Insurance Premium (UFMIP) of 1.75% of the loan amount
- VA loans: VA Funding Fee (varies based on down payment and use)
- USDA loans: Upfront guarantee fee of 1% of the loan amount
- Monthly mortgage payment (principal and interest)
- Total interest paid over the life of the loan
- Total cost of the loan (including upfront fees, monthly payments, and additional costs)
- Annual home appreciation rate: %
- Monthly payment
- Total upfront costs
- Total cost over the life of the loan
- Break-even point (if applicable)
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.
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Experience That Goes Beyond the Loan
Meet Matt Roth
California Mortgage Loan Broker | Real Estate Broker | Rocket Pro Partner
With nearly three decades 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.
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.
As a licensed California Real Estate Broker since 1997, Matt understands the offer, appraisal, contingencies, escrow, and closing process—and what it takes to keep a transaction moving.
Matt Roth | Loan Officer | NMLS #1986483
