“My situation had obstacles that I did not anticipate, and Lou and his team were able to guide me through and get me what I needed. He was professional, accessible and hard working. I would not have had the endurance to get through the process without his help and expertise.”
Start the home loan process today with Jet Direct Mobile. Calculate mortgage options, scan documents, and apply for a loan all directly on your phone.
Welcome to my website. I’m looking forward to putting our mortgage services to work for you!
Jet Direct Mortgage offers the best mortgage tools around. Easy, convenient, online shopping for the best loan programs and most current rates available, plus, I will be here to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.
Purchasing a new home? Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you’re a first-time homebuyer.
Remodeling your home? If you are planning on remodeling your home – be it a kitchen, bathroom or backyard – I can help find the right loan for you.
Applying for a loan? Our online application via the Jet Direct Mobile app is conveniently designed to allow you to stop any time and pick up where you left off. After you submit an application, you can check loan status at your convenience from your mobile device.
Check Out My Videos
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Appraisals vs. Inspections
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Mortgage Points Explained
What is a Reverse Mortgage?
FHA Loans vs. Conventional Loans
Utilizing Home Renovation Loans
What people are saying about Louis Cirillo
“Had a pleasure working with Lou. He got me a closing date in a month. Very Freindly, cares, Knowledgeable, and overall a awesome person, I highly recommend Lou Cirillo!!!!!”
Port Jefferson Station
“Let me start by saying my husband and I knew our mortgage approval was going to be a sticky one based on our income, credit, and previous experiences with trying to get a mortgage. Also as clients, I can safely say that that we were not the easiest people to deal with since this was our first home purchase and we had a thousand questions! Lou was so professional and prompt in addressing every single concern big or small! From the first conversation we had with Lou, up until our closing he was so attentive to detail and dedicated. I would recommend Lou to anyone in heartbeat.”
Middle Island, NY
“Where do I begin? This process was new to me so I had a ton of questions and didn’t quite understand some of the process involved in buying a home. Louis would promptly answer any of my emails or calls at anytime and was there with me every step of the way to guide me and help me to understand anything I had questions about. I never felt uncomfortable asking all the questions I had and he always answered everything very clearly which made the whole process seem like a piece of cake. He went out of his way and was able to get more than we originally were qualified for which is why we are in the home we are in today. When it came time to closing he worked fast for us to speed up the process. I cannot recommend him enough. If it wasn’t for him we would not be where we are today. Thank you so much for everything you have done for us Louis! We will be looking forward to working with you in any future home purchases.”
Middle Island, NY
“Lou Cirillo is NOTHING like the stereotypical loan officer. My wife and I were blown away by his professionalism and responsiveness throughout the entire process. No question was ever too small and we were always made to feel like our mortgage was his most important task. Lou was our biggest advocate throughout this process, from the application literally to the closing, and after. I cant thank him enough for making this stressful process as seamless as could have been possible. I highly recommend using Lou, you will not be disappointed.”
“After meeting with numerous mortgage brokers we decided to buy our first home with Mr. Cirillo. He promised my new family that we would be in our dream home in a timely fashion. Through the entire process he was more than helpful. Any questions we had he was readily available. Aside from being friendly he was very knowledgeable with his end of the deal and was even able to help us with other areas of the the purchase. Anyway, just as he promised we got our dream home faster than we actually thought it would happen. We are extremely pleased with our choice of Mr. Louis Cirillo.”
Middle Island, NY
“Lou was absolutely amazing in assisting us with our loan for our home. Provided solid advice and was always there when we called (which is so important when going through the stress of purchasing a new home!). At one point we thought the loan wasn’t going to happen and Lou went to his superiors and made it work. Couldn’t have asked for anything more!”
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.
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.
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 of all monthly payments over the full term of the mortgage. This total payment amount assumes that there are no prepayments of principal.
Total of all interest paid over the full term of the mortgage. This total interest amount assumes that there are no prepayments of principal.
The frequency of prepayment. The options are none, monthly, yearly and one-time payment.
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.
Total amount of interest you will save by prepaying your mortgage.
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.
Our success and foundation is built
around our Jet Direct Core Values:
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.
Integrity is at the forefront of our standards. Maintaining honesty and transparency builds trust and relationships.
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.
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.