1Rate 7.098% with an APR of 7.253% as of 12/20/2024 10:04 AM EST. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount, and origination fee of $1,295 with 360 monthly payments in the amount of $1,613. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.
FDIC-Insured—Backed by the full faith and credit of the U.S. Government
Before you go
Miriam Duran-Rodriguez
Sr Loan Advisor NMLS ID: 156374
Hackensack, NJ 07601
Whether you're a first-time buyer, purchasing a second home or simply refinancing, I can personalize a home lending solution that’s tailor-fit to your needs.
Serving Florida and Lending in All 50 States
As a mortgage professional for more than a decade, I get to share my client's enthusiasm and provide them with valuable information as they learn about the homebuying process. My goals are to make buying a home as quick, easy, and stress-free as possible and ensure that they choose the loan that best meets their financial needs.
As a member of the Flagstar family, I will extend the highest level of integrity and professionalism to you. It is with great honor and satisfaction that I earned my client's trust while helping them to achieve their financial empowerment.
Mortgage Specialization
- Condominium Financing
- Construction Loans
- FHA Government Loans
- First-Time Home Buyer Programs
- Fixed-Rate Mortgages
- Investment Property Loans
- Jumbo Loans
- Low-to-Moderate Income Lending Program
- Pre-Qualifications
- Renovation Loans
- Second Homes
- USDA Rural Housing
- VA Government Loans
Client Testimonials
Find the loan product that's right for you.
Are you looking to purchase a new property or refinance an existing one?
Today's Rate
| Mortgage | Rate | APR |
|---|---|---|
| 30-Year Fixed | 7.098% | 7.253% 1 |
| 15-Year Fixed | 6.407% | 6.653% 2 |
| FHA 30-Year Fixed | 5.852% | 6.733% 3 |
2Rate 6.407% with an APR of 6.653% as of 12/20/2024 10:04 AM EST. The APR calculation is based on a 15-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 180 monthly payments in the amount of $2,078. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.
3Rate 5.852% with an APR of 6.733% as of 12/20/2024 10:04 AM EST. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 96.5% loan-to-value (LTV) or 3.5% down payment, minimum borrower credit score of 740, estimated points of 1% of the loan amount, and origination fee of $1,295 plus 1.75% FHA funding fee with 360 payments in the amount of $1,441. Payment amount does not include taxes and insurance, which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV, mortgage insurance premiums, and other credit factors. Program terms available may vary based on the state and county in which the financed property is located. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, and lender terms and conditions. Terms, conditions, and rates are subject to change without notice.
Request a contact
Fill out the information below and I'll reach out to you shortly.
Sr Loan Advisor NMLS ID: 156374
Hackensack, NJ 07601
Let's do the math (the easy way).
Use our home loan calculators to break down the costs of buying a new home. How does a higher or lower down payment affect your monthly payment? Should you get a fixed or adjustable rate mortgage? Play around with different scenarios so you can make informed decisions about your home loan.
So, how does getting a mortgage work?
Buying a home is a big deal, and there are many ways to finance it. Understanding the basics of a home loan will get things off to a great start. Learn about the steps in the process, the paperwork you'll need, and what makes up your monthly payment.
