Mortgage rates
A lower rate doesn't always mean a better loan. Closing costs, loan terms, and your long-term goals matter too.
Explore rates →Mortgage resources
Mortgage Resources
You don't need to have everything figured out before reaching out. Whether you're buying a home, refinancing, or simply looking for a second opinion, Julie is happy to answer your questions and help you understand your options.
Rates, calculators, and mortgage questions
Calculators
Mortgage calculators can help you explore payments, affordability, and refinance scenarios in just a few minutes.
Try the calculators →Top mortgage questions
That's perfectly fine. You don't need to know exactly what to ask before reaching out.
Browse the questions →Mortgage myths
Here are a few of the most common myths Julie hears and what you should know instead.
Look beyond the myths →Explore the numbers
A Great Place to Start
Mortgage calculators can help you explore payments, affordability, and refinance scenarios in just a few minutes.
They're a helpful way to get a general idea of what's possible before diving into the details.
Calculators provide estimates, not guarantees.
More about these calculators →Estimated total monthly payment
—per month
| Principal & interest | — |
|---|---|
| Homeowners insurance | — |
| Mortgage insurance | — |
| Property taxes | — |
| HOA dues | — |
| Total monthly payment | — |
- Base loan amount
- —
- Upfront fee
- —
- Total loan amount
- —
About the estimates
Taxes and insurance are monthly budget amounts, whether paid through escrow or separately. The estimate excludes other closing costs, utilities, maintenance, and future changes to taxes, insurance, or mortgage insurance. Loan eligibility and limits are not assessed.
Conventional PMI starts at an illustrative 0.38% annually; Jumbo starts at 0%. Replace these with a lender estimate. FHA and USDA monthly insurance estimates use the starting loan balance; actual premiums use program-specific balance calculations and may change over time. The interest rate is an illustration, not a current offer.
Fee references: HUD FHA premiums, VA funding fees, and USDA fees.
Estimated home price
—
Your income and debt budget does not leave room for a home purchase with these costs. Try adjusting the inputs or review your options with Julie.
- Estimated loan amount
- —
- Down payment
- —
| Principal & interest | — |
|---|---|
| Homeowners insurance | — |
| Private mortgage insurance | — |
| Property taxes | — |
| HOA dues | — |
| Total monthly payment | — |
About the estimates
The home price estimate includes your down payment. Your selected debt-to-income budget is applied to gross monthly income, minus the debts you enter. The remaining housing budget covers principal, interest, estimated PMI, taxes, insurance, and HOA dues.
Taxes, insurance, and HOA are fixed monthly estimates; update them for the property you are considering. PMI defaults to an illustrative 0.38% annually and varies by lender and borrower. The interest rate is an illustration, not a current offer.
Set aside separate funds for closing costs and reserves. Utilities, maintenance, future cost changes, loan eligibility, and program limits are not assessed. This estimates a conventional fixed-rate loan; other programs have different costs and requirements.
Estimated total monthly payment
—per month
| Principal & interest | — |
|---|---|
| Homeowners insurance | — |
| Mortgage insurance | — |
| Property taxes | — |
| HOA dues | — |
| Total monthly payment | — |
- Base loan amount
- —
- Upfront fee
- —
- Total loan amount
- —
- Monthly P&I savings
- —
- Estimated break-even
- —
Compares principal and interest only. A lower payment over a longer term can increase total interest. Break-even measures recovery of cash closing costs, not lifetime savings.
About the estimates
Taxes and insurance are monthly budget amounts, whether paid through escrow or separately. The estimate excludes other closing costs, utilities, maintenance, and future changes to taxes, insurance, or mortgage insurance. Loan eligibility and limits are not assessed. Enter the proposed new loan amount, including any cash out and other financed closing costs, before the upfront government fee. This tool supports base loans up to the property value; that is a calculator limit, not an eligibility rule.
Conventional PMI starts at an illustrative 0.38% annually; Jumbo starts at 0%. Replace these with a lender estimate. FHA and USDA monthly insurance estimates use the starting loan balance; actual premiums use program-specific balance calculations and may change over time. The interest rate is an illustration, not a current offer. FHA uses standard premiums; historical streamline exceptions and upfront-premium refunds are not modeled. USDA refinance eligibility and benefit requirements are not assessed. For VA, select cash-out/non-IRRRL or IRRRL to apply the corresponding fee.
Fee references: HUD FHA premiums, VA funding fees, and USDA fees.
Planning estimates only. Payment estimates include the housing costs you enter. Refinance savings compare principal and interest only. This is not a quote, approval, or commitment to lend.
Have Questions About Your Results?
A calculator can estimate the numbers. Let's talk about what they mean for your goals.
Review My Results With JulieWhat is the difference between pre-qualification and pre-approval?
A pre-qualification is an early estimate based mainly on information you provide. A pre-approval is a more complete review of credit, income, assets, and documentation, and usually gives sellers more confidence in your offer.
A starting point
Pre-qualification
A pre-qualification is a general estimate.
A stronger step
Pre-approval
A pre-approval involves a more detailed review of your finances and provides a clearer picture of what you may qualify for.
Lenders use these terms differently. Ask what has been verified and which conditions remain. Pre-approval is not a guarantee of final loan approval.
The Homebuying Process
A clear path from questions to keys.
The details vary, but the experience should always feel organized and supported.
- 1
Share your goals
Talk through budget, timing, property, and priorities.
- 2
Get pre-approved
Submit the needed information and compare loan paths.
- 3
Shop with confidence
Use a clear price range and a stronger offer strategy.
- 4
Complete the loan
Move through processing, underwriting, and conditions.
- 5
Close and celebrate
Review final numbers, sign, and receive your keys.
Requested documents
What documents will I need?
Most borrowers begin with recent pay stubs, W-2s, bank statements, and photo identification. Tax returns, business records, gift documentation, or property documents may be needed depending on your situation and program.
You can gather these records early. A lender cannot require verifying documents before providing a Loan Estimate. Ask my team which records are needed for your next step and how to share them through an approved channel.
What you need to receive a Loan EstimateWhat should I bring to a second opinion review?
Any loan estimates, refinance proposals, or mortgage information you already have can be helpful.
Get a Second OpinionNo pressure. Just honest guidance.
Still Have Questions?
Looking For Guidance Specific To Your Situation?
The resources are a great place to start. A conversation can help you understand which options make the most sense for you.