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Josh Mettle: Salt Lake City Home Mortgage & Refinance Specialists Loan Options FHA Conventional Jumbo VA Refinance Resources Downloads Mortgage Blog Mortgage Calculators Free Home Valuation About Meet Josh Mettle Josh Mettle Reviews Why NEO Home Loans Careers Contact (801) 893-0659 Apply Now (801) 893-0659 Apply Now X Loan Options FHA Conventional Jumbo VA Refinance Resources Downloads Mortgage Blog Mortgage Calculators Free Home Valuation About Meet Josh Mettle Josh Mettle Reviews Why NEO Home Loans Careers Contact (801) 893-0659 Apply Now Your browser does not support the video tag.Salt Lake City Mortgage Specialist The NEW approach to your mortgage. At NEO Home Loans, we exist to empower you with financial literacy and help guide your journey to financial freedom. Let’s Talk Weekly Change % Weekly Change % Weekly Change % Weekly Change % Weekly Change % Weekly Change % *Salt Lake City Mortgage Rates Last Updated: 05/15/2024 Connect with Josh Mettle on Social Media Get to Know Josh Mettle NMLS#219996 Josh got burned by a loan officer and decided to become a mortgage professional and to care for his clients the way he wished he’d been treated. That’s why our team promise is Say What You Do, Do What You Say, No Surprises!” As one of the top 1% lending teams in the country, our absolute knowledge of the industry and professionalism will be hard at work for you and your family. Mortgage Calculators Purchase, Refinance & Affordability Conventional FHA VA Refinance Affordability Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years. Purchase Price $ Mortgage Term 30 Years 25 Years 20 Years 15 Years 10 Years 5 Years Down Payment ($) 5% Annual Taxes ($) 1% Interest Rate (%) 5% Mortgage Insurance Rate (%) .5% Mortgage Insurance Rate (%) Your LTV is less than 80%, so you will not need to pay PMI. Annual Insurance $ Monthly HOA $ Want a Copy of the Results? $ 1421 Monthly Payment Principal & Interest $ 1421 Monthly Taxes $ 1421 Monthly HOA $ 1421 Monthly Insurance $ 1421 Monthly PMI $ 0 *Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice. ***PMI is subject to factors such as PMI carrier, credit score, LTV, property type, etc. Conventional Loans FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. View the FHA loan limits in your area. Purchase Price $ Mortgage Term 30 Years 25 Years 20 Years 15 Years 10 Years 5 Years Down Payment ($) 5% Annual Taxes ($) 1% Interest Rate (%) 5% Annual Insurance $ Monthly HOA $ Want a Copy of the Results? $ 1421 Monthly FHA Payment Principal & Interest $ 1421 Monthly Taxes $ 1421 Monthly HOA $ 1421 Monthly Insurance $ 1421 Up-Front MIP (1.75%) $ 0 Monthly Mortgage Insurance $ 0 *Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice. FHA Loans If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service! First Time VA Loan? Yes No Mortgage Term 30 Years 25 Years 20 Years 15 Years 10 Years 5 Years Type of Service Regular Military Reserves/National Guard Purchase Price $ Down Payment ($) 0% Interest Rate ($) 5% Annual Taxes ($) 1% Annual Insurance ($) $ Monthly HOA $ Want a Copy of the Results? $ 1421 Monthly VA Payment Principal & Interest $ 1421 Monthly Taxes $ 1421 Monthly HOA $ 1421 Monthly Insurance $ 1421 Purchase Price $ 1421 VA Funding Fee $ 1421 Amount Financed $ 1421 *Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice. VA Loans Curious about refinancing your home in Salt Lake City? Rates are historically low and now may be the right time to start saving money every month! Current Loan Amount $ Interest Rate % Current Term months Origination Year New Loan Amount $ New Interest Rate % New Loan Term months Refinance Fees $ Want a Copy of the Results? Refinancing could save you $ /month New monthly payment $ Refinance fees $ Lifetime Savings $ *Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice. Refinancing Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today! Annual Income $ Monthly Debts $ Estimated annual property taxes $ Estimated Annual Home Insurance $ Down Payment $ Interest Rate % Loan Term 30 year fixed 15 year fixed Want a Copy of the Results? You can afford up to $ Monthly Payment $ Principal & Interest $ Tax $ Insurance $ *Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice. Looking to Purchase? This guide has all the information you need to navigate the home buying process with ease. More ❤ from Zillow Rating ∙ Reviews on Zillow m/d/Y Loan Type Loan Purpose Loan Program Mortgage services provided by - Salt Lake City UT Rating ∙ Reviews on Zillow m/d/Y Loan Type Loan Purpose Loan Program Mortgage services provided by - Salt Lake City UT Josh Mettle’ s Mortgage Blog Surging Tax in the Booming Housing Market May 15, 2024 Why Cash Buyers Dominate the 2024 Real Estate Market April 26, 2024 Understanding Economic Shifts: How Rising Fast Food Prices Intersect with the Housing Market April 19, 2024 Buying Your First Rental Property (The Journey Is Easier Than You Might Think) April 11, 2024 Ready to get your free, personalized mortgage consultation with Josh Mettle? Get Started Today (801) 893-0659 Apply Online Get Directions Copyright © 2024 NEO Home Loans is a registered DBA of Luminate Home Loans, Inc. NMLS# 150953. Corporate Headquarters 2523 S. Wayzata Blvd, Suite 200, Minneapolis, MN 55405. This advertisement does not constitute a loan approval or loan commitment. Loan Approval and/or loan commitment is subject to final underwriting review and approval. For licensing information, go to: www.nmlsconsumeraccess.org. Equal Housing Lender | Privacy Policy | CA Fair Lending Notice | Company Licenses | Powered by lenderd.com X Josh Mettle NMLS#219996 (801) 893-0659 Start Application We truly appreciate the opportunity to work with you on such an important financial transaction in your life and look forward to exceeding your expectations! By checking this box, I consent to receive SMS messages. I understand that message and data rates may apply and that I may reply STOP to opt-out of future messaging; reply HELP for additional messaging help. Message frequency may vary depending on interaction between you and our team. See our privacy policy for...