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Explore Our Properties

Mortgage Calculator

A Signature Experience

What we can do for your property

Check your credit score (aim for 700+ for the best rates)
Pay down debts to improve your debt-to-income ratio (ideally under 36%)
Save for a down payment (minimum 3.5% for FHA, 20% to avoid PMI)
Research different loan types (Fixed, ARM, FHA, VA, etc.)
Get pre-approved with a trusted mortgage lender

Compare interest rates and loan terms (15-year vs. 30-year)
Understand monthly payments and how they fit your budget
Ask about mortgage insurance (PMI) and how to avoid it
Review closing costs (expect 2-5% of the home price)

Gather required documents
- Proof of income (pay stubs, W-2s, tax returns)
- Credit history report
- Bank statements
- Employment verification
Get a Loan Estimate to see full mortgage costs
Lock in your interest rate when ready

Schedule a home inspection and review results
Get a home appraisal (required by the lender)
Secure homeowners insurance before closing
Review your Closing Disclosure (final loan terms & fees)
Bring a cashier’s check for closing costs, Sign final paperwork & get the keys to your new home!

Download this checklist as a printable PDF! https://shared.xara.com/iQ6fa5LOBD

Have questions? Comment below or DM me @PeterManciniPenRealty for expert advice!

Get an Accurate Estimate

Estimate your mortgage payment, including the principal and interest, taxes, insurance, HOA, and PMI. Add your location for more accurate estimates.

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Work With Us

Pen Realty greets clients with a devotion to seamless home sales and a professional promise to buy or list with expert confidence.