“Mr. Aczel Rico is a very pleasant and hard working man, knows the job well and gets the job done, no matter how many times I called, he was always ready, willing and able to answer all of my questions and concerns, as first time home buyer I must say that my experience with him was a breeze, it has been a pleasure working with Mr. Rico and I will highly recommend him to anyone interested in purchasing a home for the first time.”
Call Jet Direct Today! 1-800-700-4JET

Loan Officer
NMLS#66997
Aczel is a Licensed Mortgage Loan originator who has gone through extensive training as well as national and state exams. With a B.B.A in finance you can have the comfort of knowing that you are working with an educated professional to help you navigate through the loan process.
Aczel has a solid reputation of integrity, honesty and results. He believes in a strong work ethic and a dedication to unparalleled service. His assistance is prompt and thorough as he is very knowledgeable about mortgages and the home lending industry. He is often available in the evenings and on weekends and no question is too small for him to answer. Communication, respect, maintaining a positive attitude, and just doing the right thing for his clients are just some of the core values that set Aczel from the competition.
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What people are saying about Aczel Rico
Mortgage Calculator
Mortgage Calculator with Taxes and Insurance
Use this calculator to generate an estimated amortization schedule for your current mortgage. Quickly see how much interest you could pay and your estimated principal balances. You can even determine the impact of any principal prepayments! Press the "Report" button for a full yearly or monthly amortization schedule.
Mortgage amount
Original or expected balance for your mortgage.
Term in years
The number of years over which you will repay this loan. The most common mortgage terms are 15 years and 30 years.
Interest rate
Annual fixed interest rate for this mortgage.
Monthly payment (PI)
Monthly principal and interest payment (PI).
Monthly payment (PITI)
Monthly payment including principal, interest, homeowners insurance and property taxes.
Annual property taxes
The annual amount you expect to pay in property taxes. This amount is divided by 12 to determine the monthly property tax included in PITI.
Annual home insurance
The annual amount you expect to pay in homeowners insurance. This amount is divided by 12 to determine the monthly home owners insurance included in PITI.
Total payments
Total of all monthly payments over the full term of the mortgage. This total payment amount assumes that there are no prepayments of principal.
Total interest
Total of all interest paid over the full term of the mortgage. This total interest amount assumes that there are no prepayments of principal.
Prepayment type
The frequency of prepayment. The options are none, monthly, yearly and one-time payment.
Prepayment amount
Amount that will be prepaid on your mortgage. This amount will be applied to the mortgage principal balance, based on the prepayment type.
Start with payment
This is the payment number that your prepayments will begin with. For a one-time payment, this is the payment number that the single prepayment will be included in. All prepayments of principal are assumed to be received by your lender in time to be included in the following month’s interest calculation. If you choose to prepay with a one-time payment for payment number zero, the prepayment is assumed to happen before the first payment of the loan.
Savings
Total amount of interest you will save by prepaying your mortgage.
Report amortization
Choose how the report will display your payment schedule. Annually will summarize payments and balances by year. Monthly will show every payment for the entire term.
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

CORE VALUES
Our success and foundation is built
around our Jet Direct Core Values:

EXCELLENCE
The pursuit of excellence is the stepping stone to our success. We consistently seek to be better, more knowledgeable, and more effective for ourselves and our clients.

CULTURE
For us, culture within our organization is achieved through a positive attitude and respect for one another. In turn, this gives our clients a better experience and provides better results.

DEDICATION
We are dedicated to continually strive to surpass the expectations of our clients. We accomplish this by offering trusted advice, with a commitment to
our client’s financial future.
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