Get personalized rate quotes for FHA, VA, Conventional, USDA, and Investment loans.
Rate Disclaimer: The rates and payment estimates shown are for illustrative purposes only and do not constitute a loan offer or approval. Actual rates, terms, and fees will vary based on credit history, loan-to-value ratio, property type, occupancy, loan purpose, loan amount, and other factors determined during the underwriting process. All rates are subject to change without notice. Not all borrowers will qualify for the lowest rates shown.
Espinosa Capital & Realty | NMLS ID: 2791755 | Equal Housing Opportunity | Licensed by the Florida Office of Financial Regulation
APR Disclosure: The Annual Percentage Rate (APR) is based on the interest rate, points, fees, and other costs associated with the loan. APR may be higher than the stated interest rate. Contact us for detailed APR calculations.
Payment Calculation: Payment calculations shown do not include property taxes, homeowners insurance, HOA fees, or mortgage insurance (if applicable). Your actual monthly payment will be higher and will be determined by your lender.
Credit Requirements: Credit score ranges shown are general guidelines. Each loan program has specific credit requirements that may vary by lender, loan amount, and property type. Government-backed loans (FHA, VA, USDA) have minimum credit score requirements set by the respective agencies.
Pre-Qualification vs. Pre-Approval: This calculator provides estimates only and does not constitute pre-qualification or pre-approval. A full loan application with supporting documentation is required for pre-approval. Pre-qualification and pre-approval are subject to verification of all information provided and underwriter review.
Program Availability: Not all loan programs are available in all states or for all property types. Some products have geographic restrictions, loan amount limits, and occupancy requirements. Contact a licensed loan officer to determine which programs you may qualify for.
Rate Lock: Rates shown are not locked or guaranteed until you have submitted a complete loan application, received a Loan Estimate, and have an executed rate lock agreement with your lender. Market conditions change daily, and rates may increase or decrease.
We are committed to compliance with all federal and state fair lending laws. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or because all or part of your income may be derived from any public assistance program. If you believe you have been discriminated against, you may file a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.
Marketing & Advertising Compliance: All marketing materials, including this website, comply with federal Truth in Lending Act (TILA) requirements. Any advertised rates or terms are examples only and not offers of credit.
Do Not Call & Privacy: By providing contact information, you consent to be contacted by Espinosa Capital & Realty via phone, email, or text regarding your inquiry, even if your number is on a Do Not Call registry. This consent applies to mortgage services. You may revoke consent at any time. For our privacy policy, contact us directly.
Accessibility Statement: Espinosa Capital & Realty is committed to ensuring digital accessibility for people with disabilities. We are continually improving the user experience and applying relevant accessibility standards. If you experience difficulty accessing any portion of this website, please contact us at info@ecreusa.com or 305-922-1332.
Professional Services Required: Information provided by this calculator does not replace professional advice. Before making any financing decision, consult with licensed professionals including tax advisors, insurance agents, and financial planners. Espinosa Capital & Realty does not provide legal, tax, or investment advice.
Florida Statute Compliance: All services provided by Espinosa Capital & Realty comply with Florida Statutes Chapter 494 (Florida Financial Services Code). For questions, contact the Florida Office of Financial Regulation at flofr.gov.
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