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Stress-Free Financing

Stress-Free Financing

Take the Mystery Out of Your Mortgage

Whether you’re buying your first home or your fifth, it’s natural to have questions about the mortgage process. There are several types of mortgages and programs available, and it’s important to be sure you get the best fit for your family. Use our helpful calculators to run various mortgage scenarios. See how a bigger or smaller down payment might affect your monthly payment. Compare different loan terms. Get a clear picture of all the variables that impact your mortgage payment. Being prepared before you approach a lender can help you feel more comfortable and confident about your ultimate decision.

Enter the price of your new home, the amount of your down payment, the loan term, and the interest rate. Our calculator will show you approximately how much your monthly payment will be.

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Preferred Lenders

lender.company_name

Stonewood Home Lending, Inc.

Local. Experienced. Convenient.

Whether you’re buying your first home or your fifth, it’s natural to have questions about the mortgage process. There are several types of mortgages and programs available, and it’s important to be sure you get the best fit for your family. Use our helpful calculators to run various mortgage scenarios. See how a bigger or smaller down payment might affect your monthly payment. Compare different loan terms. Get a clear picture of all the variables that impact your mortgage payment. Being prepared before you approach a lender can help you feel more comfortable and confident about your ultimate decision.

Terms to Know

We know financials can get confusing. Use these terms to help enter the correct information into the mortgage calculator and find the estimated monthly payment of your future home.

Home Price

Enter the price of the home you want to buy. You can also enter the amount that you think you will offer.

Down Payment

Most home loans require a down payment of at least 3%. A higher down payment will lower your monthly payment.

Interest Rate

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

Home Insurance

Home insurance or homeowners insurance is typically required by lenders. It covers damages to your home and personal assets.

Property Tax

This is typically based on the home’s value and location.

Loan Term

This is the length of time you choose to pay off your loan.

Principal & Interest

Principal is the original amount of your loan and interest is the amount charged by the lender for lending you the loan.

PMI: Private Mortgage Insurance

This type of insurance is added to your monthly expense and protects the lender if you stop making payments on your loan.

Taxes

This is your predicted taxes based on your home's location.

HOA Dues

Homeowner's Association Fee are paid by homeowners to maintain and improve properties in the community.

The Finance Process

Most of the financing process can be conveniently handled online. Apply online and get prequalified in minutes. Submit necessary documents online, get conditionally approved online, and get an estimate of your closing costs and monthly payments.

1. Get Started

The first step in the process is to contact one of our lenders and apply for a mortgage. You will be asked to provide specific financial information to get things started.

2. Choose Your Loan

Our experts will help you choose a loan best fit for you and your needs.

3. Underwriting

Our experts will guide you through the underwriting process.

4. Closing

Our experts will guide you through the closing process.

5. Fund & Record

Our experts will guide you through the process.

6. Move In

Welcome to your New Esperanza Home!

1. Get Started

The first step in the process is to contact one of our lenders and apply for a mortgage. You will be asked to provide specific financial information to get things started.

2. Choose Your Loan

Our experts will help you choose a loan best fit for you and your needs.

3. Underwriting

Our experts will guide you through the underwriting process.

4. Closing

Our experts will guide you through the closing process.

5. Fund & Record

Our experts will guide you through the process.

6. Move In

Welcome to your New Esperanza Home!

Home Loan Programs

Conventional Loans

Conventional loans are not backed by the government. Learn more about our conventional loan options.

FHA Loans

An FHA loan is a government-backed loan insured by the Federal Housing Administration.

Refinance

Know your options for paying off your mortgage. See if refinancing makes sense for you.

Renovation Loans

Whether it’s a fixer upper or a home you’ve lived in for years, a renovation loan may be just what you need.

VA Loans

We’re proud to serve those who serve our country. Learn more about our VA Loan options for Veterans.

Down Payment Assistance

Looking for a little assistance with your down payment? Check out the various Down Payment Assistance Programs available.

Contact Us
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Stress-Free Financing