Rates & Calculators
Noteaserrates. Here'sthe realmath.
Your actual rate depends on you — credit, down payment, property, timing. Anyone quoting you a number before knowing those is marketing, not lending. Run your own scenarios below; when you want the real figure, that takes me 10 minutes.
Monthly payment
Drag a slider or type an exact number — everything recalculates instantly. The rate is an example you control, not a quote.
= $40,000 down · $360,000 borrowed
Example rate — not a quote. Linked to the affordability calculator below.
Included in the estimate: 0.7%/yr tax · $120/mo insurance.
Estimated monthly payment
0 dollars (estimate — see disclosure below)
- Principal & interest
- $0
- Property taxes
- $0
- Home insurance
- $0
Estimate only — not a loan offer, rate quote, or commitment to lend. Example assumes the rate shown above. Your actual rate, APR, and payment depend on credit, property, and program. APR will be higher than the interest rate because it includes certain loan costs. — Jake Taylor, NMLS #162265
Want your real number? That takes Jake 10 minutes.
Wondering why this page has no advertised rate table? That's on purpose — skip to the honest answer.
How much home fits your life?
Work backward from your income and comfort level. Conservative or aggressive — you set the line, the math follows.
Minimum monthly payments on cars, cards, student loans, etc.
Example rate — not a quote. Linked to the payment calculator above.
Housing budget: up to $2,850/mo after your debts.
Estimated comfortable price
0 dollars (estimate — see disclosure below)
- Estimated monthly at that price
- $0
- Implied DTI (with your debts)
- 0%
Assumes a 30-year term, 0.7%/yr property tax, and $120/mo insurance.
Estimate only — not a pre-approval, loan offer, or commitment to lend. Affordability depends on verified income, credit, debts, and program guidelines. Estimates only — your real quote takes a 10-minute call. — Jake Taylor, NMLS #162265
A real pre-approval beats a slider. Every time.
Rate Education
What actually moves your rate.
Three levers decide the number on your quote. Two of them are strategy conversations we have together — before you ever lock.
Your credit story.
The single biggest lever you control. The jump from 680 to 740 can matter more than a bigger down payment. If you're close to a tier boundary, sometimes waiting 60 days beats rushing.
Points & lender credits.
You can pay upfront to buy the rate down, or take a higher rate to cover closing costs. Neither is 'better' — it depends how long you'll keep the loan. I run the break-even on every quote.
Lock windows.
Rates live inside the market, and the market moves daily. When we lock, for how long, and whether a float-down makes sense — timing is strategy, not luck.
So… where's the big rate table?
Those tables assume a 780 score, 25% down, a perfect condo-free property, and 2 points you'll never see in the ad. Quoting you that number would be marketing, not lending. My version: tell me your situation and I'll give you a real quote with a real APR — usually within the hour, always with the math shown.
Estimates are free. Real numbers take 10 minutes.
Six questions or one phone call. You'll hang up knowing exactly where you stand.