Start with your own numbers. Adjust the assumptions below to explore an illustrative home-price range and payment. When you're ready, I'll help you compare financing options and review the costs that matter for your situation.
A little clarity goes a long way
What could home look like?
Explore a starting point for your budget. Then let’s put the numbers in context, together.
Your starting numbers
Illustrative assumptions, editable by you. The interest rate shown is not a current rate or an offer.
Advanced assumptions
These are personal planning limits, not underwriting criteria. The upper housing budget is the smaller of your housing share or total debt share minus other debts. The lower scenario uses 85% of that budget. Both subtract taxes, insurance and HOA before calculating a loan amount. Your down payment is then added.
Mortgage insurance, closing costs, maintenance, utilities and any separate flood insurance are not included. Tax and insurance amounts are your estimates and may change with the property.
Your ownership budget also needs room for costs outside this estimate. We can review the missing items and property-specific figures together before you rely on the result.
Want me to run the real numbers with you?
Estimates for informational and educational purposes only; not an offer to lend, commitment to lend, loan approval, Loan Estimate, or guarantee of a rate, payment, loan amount, qualification or loan terms. Results may omit costs. Actual eligibility and terms depend on your circumstances, market conditions and underwriting. Read the full mortgage disclosures.
Buying your first home, refinancing or planning an investment? These are some of the financing conversations I can help with through Reel Mortgage Solutions, LLC. Start with the topic that sounds like you, and we'll look at the options and questions that matter for your situation.
First-time buyers
Buying your first home? You can start with questions. We'll look at a comfortable monthly budget, the cash you'll need at closing and the steps toward a purchase. If assistance may fit, we'll check its requirements and repayment terms.
A refinance replaces your current mortgage with a new one. We'll compare the payment, closing costs, loan term and total interest with your current loan, including how long any savings may take to offset the costs.
A cash-out refinance replaces your mortgage with a larger loan. We'll compare the cash available after payoff and costs, the new terms on the full mortgage balance, and the equity remaining in your home.
Self-employed? Bank-statement financing can offer another way to document income. We'll review your business finances and eligible deposits, then compare the costs and requirements with other available options.
Buying in Florida from abroad? I offer financing options for eligible foreign-national buyers. We'll review documentation, how funds are verified, the property's intended use and the lender's requirements.
DSCR financing considers a rental property's income in relation to its financing costs. We'll review rent assumptions, expenses, reserves and lender requirements, including how vacancies could affect your plan.
Mortgage services through Reel Mortgage Solutions, LLC, NMLS #1805375. Wendy Diaz, NMLS #2442919. Educational information, not an offer or approval. Program availability, eligibility and terms depend on the lender, your circumstances, the property, documentation and underwriting. No rate, approval or savings are guaranteed. Read the mortgage disclosures.
Buying, refinancing or investing
Tell me what you're planning. I'll help you compare available loan options, upfront costs and the payment you may need to budget for. Final eligibility and terms depend on your application, the property and underwriting.
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