“I was a first time homebuyer and Phil was great he answered all my questions and made the process as smooth as possible. I would highly recommend him to anyone buying a house”
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.
What people are saying about Phil Caporusso
“I just closed on my home two hours ago and I didn’t want to waste any time writing a review recommending Phil to others. My particular case was extremely difficult because I had many issues with my credit in the past. Phil and his staff went well above and beyond to help me get my mortgage. I had so many concerns and I was not an easy client. Phil stuck by me for over a year until I finally found the right home for us . He answered at least one hundred text messages during that time and many were on weekends. I have him a pretty hard time. I ended up closing today with a decent rate and my closing went perfectly. So thank you Phil and thank you to his dedicated and knowledgeable staff as well.”
“Phil and his staff did a great job! I’d highly recommend them to anyone looking to get a mortgage in this highly competitive real estate market. He’ll do what’s in the best interest of his client and make sure you’re able to get the home you want.”
“He met all deadlines early or by the due date. He got the job done. My husband and I were very pleased with the services provided. I would highly recommend him to any of my friends and colleagues. He was supportive throughout the entire process, flexible if any changes needed to be made and patient.”
North Babylon, NY
“Phil and his team did a great job helping us with the process of getting a loan for our first house, they made the process really easy, really fast and help us with the process, answering our questions and providing ideas for the future. Thanks a lot Phil and to your team as well.”
“This was my first time purchasing a house, and Phil was extremely helpful throughout the process. He was patient, provided great advice, and was quick to respond whether I was trying to reach him through text, phone, or email. Highly recommend.”
New York, NY
“Phil made this process of refinancing which seemed so daunting one of simplicity with his wealth of knowledge, brilliant recommendations, thoroughness, expertise, efficency and effectiveness not to mention his absolute honesty and ethics. We couldn’t possibly ask for more. We sincerely thank you Phil for this comprehensive experience.”
“Phil is heaven sent. Things did work out well with our first mortgage company. When all hope was lost we were referred to Phil. He is very knowledgeable and walked us through every step of the way in detail making us very comfortable with our decision. I would definitely refer Phil to anyone I know. “
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.