HOME LOANS - COMMERCIAL LENDING

Advanced Mortgage Payoff Calculator

Calculate your monthly payments, see when your mortgage will be paid off, and explore how extra payments can save you money.

Your Results

Monthly Payment:

Year	Principal Paid	Interest Paid	Remaining Balance

VA Bonus Entitlement Calculator

Figure out remaining entitlement, your max $0 down loan, and the minimum down payment for a target price.

Loan Limit for Area ($)

Texas: $806,500. Look up 2025 county limits (FHFA) Map view

Enter the conforming loan limit for the property’s county. If you have full VA entitlement, county limits don’t cap $0 down—but this tool is for partial-entitlement scenarios.

Entitlement Previously Used ($)

What number goes here?

Enter the entitlement charged on your existing/previous VA loan—usually 25% of that VA loan’s original amount, not the whole loan. Example: prior VA loan $300,000 → entitlement used ≈ $75,000.

Target Purchase Price ($) (optional)

If you enter a price, we’ll calculate the minimum down payment needed to satisfy the 25% guaranty when entitlement is partially used.

How this works

Base Entitlement = County Loan Limit × 25%.
Remaining Entitlement = Base Entitlement − Entitlement Previously Used (not below $0).
Max $0 Down Loan = Remaining Entitlement × 4.
Minimum Down Payment (if price entered) = (Price × 25%) − Remaining Entitlement (not below $0).

Tip: If you have full entitlement (no active VA loans and none defaulted), county limits don’t cap your $0 down amount under current rules. In that case, enter 0 for “Previously Used Entitlement.” Lender overlays and qualification still apply.

This tool is for education only and doesn’t replace VA guidelines or lender underwriting. Always verify numbers with current VA policy.

Refinance Savings Calculator

Compare your current loan with new refinancing options

Current Loan Information

Current Loan Amount

$

Current Interest Rate

%

Current Monthly Payment

$

Remaining Term (years)

New Loan Options Comparison

Loan Details	Option 1	Option 2	Option 3
New Interest Rate (%)
New Term (years)
Closing Costs ($)
Discount Points ($)
Estimated Monthly Payment ($)	$0	$0	$0
Monthly Savings ($)	$0	$0	$0
Breakeven (months)	-	-	-
Total Savings Over Life of Loan ($)	$0	$0	$0

* Calculations are estimates. Consult with a mortgage professional for accurate quotes.

FAQS

Why shouldn’t I just go with a big bank or online lender I see advertised everywhere?

Big-box lenders often offer a “one-size-fits-all” experience and you may feel like just a number. As a local Texas mortgage broker, I shop multiple lenders to find the best fit for you, not just a single offering. I also guide you personally through every step and don’t disappear after the pre-approval letter. Think of me as your mortgage matchmaker, cheerleader, and problem-solver—all rolled into one.

I want to buy a house, but I’m also trying to pay off debt. Should I wait?

Not necessarily. Homeownership and debt management can coexist with the right strategy. The key is how your debt impacts your DTI (Debt-to-Income) ratio. Sometimes paying down debt improves your chances, but other times it makes more sense to keep your cash for a down payment or reserves. Every financial situation is unique—let’s map yours out together and see if now is the right time or if a 90-day plan gets you there faster.

“My cousin just got a lower rate than what I was quoted. Am I getting ripped off?”

Not at all—and I’m glad you asked! Mortgage rates can feel like a mystery, but they’re actually based on dozens of factors: your credit score, loan amount, property type, down payment, and even the day you lock. Your cousin’s situation might look similar on paper, but behind the scenes? Totally different story.

As your broker, I shop multiple lenders, not just one, to find the best pricing for your exact scenario. And I’ll break it all down for you so there’s no confusion—just clarity and confidence. We’re not here to play rate roulette. We’re here to win smart.

Can you match or beat the quote I got online?

Bring it on. I don’t mind being compared—but here’s what you need to know: online quotes are often just marketing bait. They assume perfect credit, zero hiccups, and a unicorn loan profile. Once you apply, poof! The rate changes. The fees show up. The service disappears.

With me, you’re not a lead in a spreadsheet—you’re a real person with a real goal. I’ll give you the full picture upfront, with options tailored to you. No bait-and-switch. Just straight talk, smart strategy, and a process you won’t dread. Let’s do it better, together.

What if I’m self-employed or own multiple businesses—can I still get a mortgage?

Not necessarily. Homeownership and debt management can coexist with the right strategy. The key is how your debt impacts your DTI (Debt-to-Income) ratio. Sometimes paying down debt improves your chances, but other times it makes more sense to keep your cash for a down payment or reserves. Every financial situation is unique—let’s map yours out together and see if now is the right time or if a 90-day plan gets you there faster.