Welcome to my website. I’m looking forward to putting our mortgage services to work for you!
I am Perry Pappas, a dedicated and seasoned Loan Officer with over 27 years of extensive experience in the mortgage industry. Throughout my career, I have consistently demonstrated a commitment to providing tailored financial solutions that meet the unique needs of my clients. I specialize in assisting pre- and post-retirees, as well as seniors, in navigating the complexities of homeownership, ensuring they achieve financial stability and security. My expertise extends to a wide array of mortgage products, including traditional loans (Fannie Mae, Freddie Mac, FHA) and specialized programs like Reverse Mortgages, Home Safe Loans, and Non-QM Loans.
Unique Approach and Client Benefits
Personalized Financial Solutions: I pride myself on offering customized financial strategies that address each client’s specific needs and circumstances. By staying abreast of the latest loan programs and market trends, I ensure my clients receive the best possible advice and options.
Expert Guidance and Integrity: My approach is rooted in professionalism, integrity, and a deep commitment to my clients’ well-being. I provide expert guidance throughout the mortgage process, from initial consultation to loan approval and beyond, ensuring a smooth and stress-free experience.
Enhanced Client Financial Position: I work closely with clients to evaluate their current financial positions and identify opportunities for improvement. Whether it’s restructuring debt, optimizing investments, or finding better financing options, my goal is to put clients in a stronger financial position.
Collaboration with Financial Specialists: While my primary focus is on mortgage solutions, I recognize the importance of comprehensive financial planning. I maintain strong relationships with specialists in investments, 401ks, IRAs, and tax-saving plans ETC. This network allows me to offer well-rounded advice and connect clients with trusted experts in these fields.
Why Choose Perry Pappas?
Choosing to work with me means partnering with a seasoned professional who is committed to your financial success. I am dedicated to providing exceptional service, transparent communication, and personalized solutions that align with your goals. Whether you are a senior looking for a Reverse Mortgage, an investor seeking a DSCR loan, or someone with unique income streams in need of a Non-QM loan, I have the expertise to guide you through the process.
Let’s Get Started!
The Right Home For Your Needs
Jet Direct Mortgage offers a wide range of mortgages; conventional, FHA, VA, USDA and other home loan programs. Our expertise is finding the right loan that is perfect for you and your family to build your dreams and your future around. We truly deliver unmatched customer service to make the home-buying or home refinancing process as stress-free as possible!
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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.