Why Rent When You Can Own
Something of Your Very Own?

Before you assume you aren’t able to or that it’s too late, speak with our knowledgeable experts – you will NOT regret it!

Our sales professionals have a huge inventory of quality homes in the communities you already know and love!

Don’t think you qualify? You owe it to yourself to talk with our seasoned mortgage professionals. They’ve got access to loan programs that maximize your buying power in ways you’ve never imagined, such as:

  • A 30yr fixed rate mortgage that provides up to 96.5% financing
  • 2.5% of the down payment may be covered by Down Payment Assistance Program
  • Financing up to 99% of the transaction.
  • Minimum FICO score of 600
  • No limitations on income requirements
  • Seller’s concessions
  • You don’t need to be a 1st time homebuyer
  • In-house underwriting

and more than we can even mention here

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.


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.