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We are committed to maintaining the standard for excellence and leadership. Our Primary goal is to provide the highest level of service to our clients through integrity.   Please feel free to utilize our Mortgage Calculator & Home Evaluation Tools:

MORTGAGE CALCULATOR

Price of Homes
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Down Payment
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Loan Term
Interest Rate
Home Insurance (optional)
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Property Tax (optional)
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Mortgage values are calculated by Lofty and are for illustration purposes only, accuracy is not guaranteed.
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+1(310) 467-7189

rubio.realestate@gmail.com

2603 Camino Ramon Suite 200, San Ramon, CA, 94583

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General Mortgage Info

Down Payment

The typical rule of thumb is to pay 20 percent of the home's price as your down payment, although some mortgage loans require as little as 3.5 percent down. Your down payment reduces the total amount of your mortgage loan, so the more money you put down, the lower your payments will be - or the more expensive a house you can buy.

Loan Term

Your loan program can affect your interest rate and monthly payments. Choose from 30-year fixed, 15-year fixed, and more in the calculator.

Loan Type

There are several types of mortgage loans, but the most commonly used are fixed-rate and adjustable-rate loans. Fixed-rate loans have the same interest rate for the entire duration of the loan. That means your monthly payment will be the same, even for long-term loans, such as 30-year fixed-rate mortgages. Two benefits to this loan type are stability, and being able to calculate your total interest up front. Adjustable-rate mortgages (ARMs) have interest rates that can change over time. Typically they start out at a lower interest rate than a fixed-rate loan, and hold that rate for a set number of years, before changing interest rates from year to year. For example, if you have a 5/1 ARM, you will have the same interest rate for the first 5 years, and then your interest rate will change from year to year. The main benefit of an adjustable-rate loan is starting off with a lower interest rate.

Interest Rate

This field is pre-filled with the current average mortgage rate. Your actual rate will vary based on factors like credit score and down payment.

Property Tax Rate

The mortgage payment calculator includes estimated property taxes based on the home's value. You can edit this in the advanced options.

Home Insurance

Home insurance or homeowners insurance is typically required by lenders, depending on the loan program. You can edit this number in the mortgage calculator advanced options.

HOA Fees

A homeowners association fee (HOA fee) is an amount of money that must be paid monthly by owners of certain types of residential properties, and HOAs collect these fees to assist with maintaining and improving properties in the association.

AFFORDABILITY CALCULATOR

Use this calculator to determine how much house you can afford. By entering details about your income, down payment, and monthly debts, you can estimate the mortgage amount that works with your budget.
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Advanced
You can afford a home up to: $0
Your debt-to-income ratio is 36%
Quite affordable.
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Payment Breakdown:
$0 Month

What others are saying about us!

  • joshua ruiz8

    After 3 different agents. And around 50 open houses. Me and my wife met Jocelyn at one of the open houses in South Gate. Her personality and great energy made us feel super comfortable and we decided to try with her. She didn’t stop until she found us the best offer possible. When she said we were approved we could not believe it. She made our dream of becoming home owners come true. She will work non stop until she brings the best results for you. I would 100% recommend Jocelyn Jauregui.
  • aehuerta19644

    Jocelyn helped me buy my first house, she guided me from beginning to end. She is very helpful, kind and has a great personality. Will definitely recommend to family and friends*
  • azunig5

    Jocelyn is a very patient and friendly person who helped us buy our first home recently. As a first time home buyer we knew very little about the process. She did a great job answering all our questions of which we had many. Jocelyn's knowledge and experience around homes, the housing market and the various stages of the home buying process was impressive and ended up helping us immensely. I highly recommend Jocelyn as your choice!
advisor-avatar

+1(310) 467-7189

rubio.realestate@gmail.com

2603 Camino Ramon Suite 200, San Ramon, CA, 94583

I'M READY TO GET STARTED!

First Name
Last Name
Phone*
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