Answer 4 quick questions. Get your real monthly cost, see programs you qualify for, and discover how homeownership compares to renting.
1
Goals
2
Property
3
Loan
4
Results
5
Connect
What brings you here today?
Select your goal — we'll personalize everything based on your answer.
I'm buying a home
First home or moving up — let's find what fits your budget.
I want to refinance
See if a lower rate could save you thousands.
First-time buyer
Special programs may get you in with as little as 0-3% down.
Programs Available
Just exploring
See what a mortgage would cost before you decide.
Where and how much?
Select a neighborhood or enter a custom price — we pre-fill local tax rates.
Salinas
$700K
Median
East Salinas
$534K
Median
Marina
$827K
Median
Seaside
$795K
Median
Soledad
$480K
USDA Eligible
Custom
Enter price
Home Price
$700,000
$200K$500K$1M$1.5M
Down Payment
$140,000 (20%)
0%3.5%10%20%50%
Your Finances (Optional)
Gross Monthly Income
$/mo
Before taxes. Combined if buying with a partner.
Monthly Debt Payments
$/mo
Car loans, student loans, credit cards, etc.
Current Monthly Rent
$2,200
$500$2K$3.5K$5K
Choose your loan type
We'll use today's live rate for your selection. Not sure? We'll recommend one after.
30 YR Fixed
6.04%
Lowest monthly payment. Best for long-term stability.
Most Popular
15 YR Fixed
5.60%
Pay off faster, save massive interest over time.
FHA 30 YR
5.79%
3.5% down, flexible credit. Used by 29% of Hispanic buyers.
Low Down
VA Loan
5.69%
0% down for veterans and active military.
0% Down
USDA
5.85%
0% down in eligible rural areas. Soledad, San Lucas qualify.
Rural 0%
ITIN Loan
6.75%
No SSN required. Qualify with tax ID and alternative credit.
Sin SSN
ITIN Loan Info: You can qualify using your Individual Taxpayer Identification Number, rent receipts, utility bills, and cell phone payment history as alternative credit documentation. Typically requires 15-20% down.
Your Personalized Breakdown
Based on today's live rates · Monterey County tax rate 1.1% applied
Estimated Monthly Payment
$0
Principal · Interest · Tax · Insurance
30 YR Fixed6.04%today's rate
Principal & Interest
$0
Per month
Loan Amount
$0
After down payment
Equity in 5 Years
$0
Principal paid down
Total Interest Paid
$0
Over full loan term
Affordability Check
Debt-to-Income Ratio
--
0%28%36%43%50%
Gross Income
$0
per month
Total Debt + Housing
$0
per month
Left Over
$0
for living expenses
True Monthly Cost of Ownership
Every dollar you'll spend each month
Principal & Interest$0
Property Tax$0
Homeowner's Insurance$0
PMI (under 20% down)$0
Maintenance Reserve$0
True Monthly Cost$0
Rate Impact Over 30 Years
Rate
Monthly P&I
Total Interest
vs Today
Rent vs. Buy After 10 Years
Buying
+$0
Net equity after 10 yrs
Total paid$0
Equity built$0
Renting
-$0
Spent with $0 equity
Total rent paid$0
Equity built$0
Buying breaks even with renting in -- months.
Programs You May Qualify For
Your results are ready — lock them in
Get Personalized Rate Quotes from Local Lenders
A bilingual mortgage specialist will review your numbers and contact you within 24 hours with competing lender offers.
Monthly
$0
Loan
30 YR
Rate Used
6.04%
<580
Rebuilding
580-619
Fair
620-679
Good
680-739
Very Good
740+
Excellent
SSL Secured
NMLS Licensed
No spam, ever
Bilingual staff
You're all set
A bilingual mortgage specialist will reach out within 24 hours with personalized competing rate quotes based on your $0/month estimate.