Ready to Explore Your Mortgage Options?

Whether you’re buying a home, investing in real estate, or considering a refinance, Tara Ulysse and the One Real Mortgage team can help you understand your options and move forward with confidence.

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Estimate Your Monthly Mortgage Payment

Enter the home price, down payment, loan term, interest rate, taxes, insurance, and applicable HOA fees to estimate your monthly payment.
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Your mortgage payments over 30 years will add up to $0.
Have Questions About Your Estimate?
Connect with Tara and the One Real Mortgage team to review your payment estimate, loan options, and next steps.
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MORTGAGE HELP

Down Payment

Your down payment is the amount you pay upfront toward the purchase of your home. The amount required can vary depending on the loan program, your financial profile, and the property you're purchasing. While a larger down payment may reduce your monthly payment and borrowing costs, many loan programs offer options with lower down payment requirements. A mortgage professional can hlep you compare available loan programs and determine which option beste fits your gosals and financial situation.

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 Rate

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.