p:631.574.1306×5481
m:631.300.7769

Email me!

Patrice Flerx
Loan Officer
NMLS#2062401

Where families

make

home

happen!

Putting the POWER
of your home loan
in your hands!

Calculate Mortgage Options

Scan Encrypted Paperwork

Apply for a Loan on Your Phone

Know Where Your Loan Is

"just a house"

home!

your

it's

Because it's not

Introducing Jet Direct Mortgage's
powerful new mobile app designed to
make the process of securing a home
loan as easy and as fast as possible!

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.

Get Started!

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

What is a Reverse Mortgage?

What people are saying about Jet Direct Mortgage

“It was a pleasure working with Jet Direct. All my questions were answered promptly. I will refer them to family and friends. Thank you to Jet Direct for making it a smooth process!”

Elizabeth Munoz

“Super helpful and friendly staff, always kept me in the loop to make sure we were informed throughout the entire loan process. I was very nervous going in due to the many horror stories I’ve heard from friends and family who used other lenders but I experienced none of that with Jet Direct. Thank you Jet Direct – I will absolutely be referring you to my friends, family and anyone who will listen!!!!”

Dawn Stevens

“They were recommended to me by a co-worker who purchased her house a few months ago. I called them to see if it was worth refinancing my home. They got me a great low rate and a little cash in my pocket as well! The staff was amazing. Such an easy process- and fast. From initial phone call to my mortgage closing was less than 45 days! Give them a call if you are looking to refinance or buy a new home.”

Michael Valderone

“I have worked with Jet Direct Mortgage for many years (personally and professionally) as I am a realtor. They have gone above and beyond for me and my clients. I won’t let my family or friends buys a home without consulting them. They always have the best rates, lowest fees and are always available to answer your questions. 5 star rating!”

Jennifer Baer

“We were able to close on our purchase in three weeks! Jet and their staff were amazing and Professional through the whole process and we would recommend them to anyone looking to buy or refinance”

Mary L.

“JET DIRECT is real, fast and efficient. Anyone who is in the home hunting process and wants to close without wasting time I recommend JET DIRECT.”

Mamadou Balde

“Purchasing a home is not easy, let alone when life has thrown you a few curveballs and you have less than perfect credit. We reached out to Jet Direct Mortgage who took the time to walk us through every step of the process. Once the process started and we had any questions they always made sure they picked up the phone, returned phone calls and returned emails. One of the biggest investments we have ever made and we felt educated and comfortable every step of the way. Thanks for everything!”

Scott Rasmussen

“Purchasing my first new home was scary enough… I’ve heard my share of horror stories from friends and fam about their experiences at the ‘big’ banks and lenders so I was so grateful when the processor and staff were so willing to hold my hand, explaining all details, throughout the process… “

Corelli Nada

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.

Definitions

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:

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.

INTEGRITY

Integrity is at the forefront of our standards. Maintaining honesty and transparency builds trust and relationships.

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.

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.