Financing
Mortgage Guide
Understand your financing options and estimate your monthly payment.
Mortgage Calculator
Estimate your monthly payment
Estimated Monthly Payment
$4,151
Principal & Interest only
Loan Amount
$640,000
Total Interest
$854,370
Total Cost of Loan
$1,494,370
* Estimate only. Does not include taxes, insurance, or HOA fees.
Current Rate Reference
Sample rates for reference only. Contact a lender for actual quotes.
30-Year Fixed
6.75%20-Year Fixed
6.5%15-Year Fixed
6.25%10-Year Fixed
6%7/1 ARM
6.375%5/1 ARM
6.125%Mortgage Tips
Improve Your Credit Score
A higher credit score (720+) qualifies you for better rates. Pay down debt and avoid new credit inquiries before applying.
Save for a Larger Down Payment
A 20% down payment eliminates PMI (Private Mortgage Insurance), saving you hundreds per month.
Shop Multiple Lenders
Compare rates from at least 3 lenders. Even a 0.25% rate difference can save tens of thousands over the life of the loan.
Get Pre-Approved Early
Pre-approval strengthens your offer and speeds up the process. Gather W-2s, tax returns, pay stubs, and bank statements.