Welcome to the mortgage section of our services
Finding the right mortgage for your current situation is difficult without some expert advice. Below are some examples or mortgage scenarios and current rates.
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current mortgage rates
Conventional mortgage
A conventional loan is a type of mortgage that isn’t backed by the government (like FHA, VA, or USDA loans). Instead, it’s offered by private lenders such as banks, credit unions, or mortgage companies.
30 year Purchase loan
Sales price, $800,000 single family home, base loan amount ,$772000 with a credit score of 760 and a DTI of 36%
30 year refinance
Home value $800,000 single family home, loan amount $640,000 with a credit score of 760 and a DTI of 36%
15 year refinance
Home value $800,000 single family home, loan amount $640,000 with a credit score of 760 and a DTI of 36%
FHA mortgage
An FHA loan is a mortgage insured by the Federal Housing Administration, designed to make homeownership more accessible.
30 year Purchase loan
Sales price, $800,000 single family home, loan amount $772,000 with a credit score of 680 and a DTI of 40%
30 year refinance
Home value $800,000 single family home, loan amount $772,000 with a credit score of 680 and a DTI of 40%
15 year refinance
Home value, $800,000 single family home, loan amount $772,000 with a credit score of 680 and a DTI of 40%
VA mortgage
A VA loan is a mortgage option backed by the U.S. Department of Veterans Affairs, created to help service members, veterans, and eligible surviving spouses buy or refinance a home.
30 year Purchase loan
Sales price, $800,000 single family home, loan amount $800,000 with a credit score of 680 and a DTI of 40%
30 year refinance
Home value, $800,000 single family home, loan amount $800,000 with a credit score of 760 and a DTI of 40%
15 year refinance
Home value, $800,000 single family home, loan amount $800,000 with a credit score of 760 and a DTI of 40%
HECM - Reverse loans
A HECM (Home Equity Conversion Mortgage), also known as a reverse mortgage, is a federally insured loan that allows homeowners age 62 and older to convert part of their home’s equity into cash, without having to sell their home or make monthly mortgage payments.
Age requirement: Available only to homeowners 62 years and older. Governme
A HECM reverse mortgage lets seniors tap into their home equity to supplement retirement income, while still living in their home, with repayment deferred until they leave the property.
*Rates subject to change, examples priced out on 1/12/2026 For additional scenarios or loan types, please conect with Carlos to discuss your loan options.
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