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PRICE YOUR MORTGAGEIN 30 SECONDS.

No application feeNo credit pullJust numbers.

FIRST-TIME BUYER mortgage optionsDSCR investor loanFHA mortgage optionsVA mortgage optionsJUMBO mortgage optionsCONVENTIONAL mortgage options
FIRST-TIME BUYER mortgage optionsVA mortgage optionsFHA mortgage optionsJUMBO mortgage optionsDSCR investor loanCONVENTIONAL mortgage options

FREE MORTGAGE CALCULATOR

Florida Mortgage Calculator

Enter Your Purchase Price and Preferred Loan Type

We’ll combine these answers with your down payment, credit range and property details to show your estimated payment, rate, APR and cash to close using current available pricing.

Loan type

Complete your scenario to see your estimated payment, rate, APR and cash needed.

This calculator assumes a one-unit property in Orange County, Florida. Loan limits and costs may differ in other counties.

Updating your estimate…

Free to use. No application, Social Security number or credit pull required.

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FLORIDA MORTGAGE RATES

TRANSPARENT PRICING. EXPLORE THE RATE OPTION THAT BEST FITS YOU.

Compare rates closest to par with lower-rate options that include discount points.

RATE SCENARIO

Conventional · $750,000 purchase · 25% down · $562,500 loan30-year fixed · 780–799 · Primary residence · Florida · 30-day lock · Pricing source effective 08/21/2026
Conventional · Purchase · $750,000 · 25% down · $187,500 · $562,500 loan · 30-year fixed · 780–799 · Primary residence · Florida · 30-day lock
Program
Conventional
Purchase price
$750,000
Down payment
$187,500 · 25%
Base loan
$562,500
Credit range
780–799
Property use
Primary residence
Purpose
Purchase
Term
30-year fixed
Lock period
30-day lock
Location
Orange County, Florida
Pricing source effective
08/21/2026
Pricing last checked
08/21/2026
Mortgage insurance
None at this loan-to-value

This scenario illustrates the pricing shown. Edit the scenario to personalize the results. It is not an approval, commitment to lend or rate lock.

Most common starting option

30-YEAR FIXED

Closest to Par

Pricing closest to $0 in points or lender credit.

RATE6.499%APR6.550%Estimated principal & interest$3,555/mo30-year fixed · Approximately 360 monthly P&I payments of $3,555.Includes estimated property taxes, homeowners insurance and applicable mortgage insurance. Excludes HOA/CDD dues, flood insurance and other property-specific costs unless entered. Taxes, insurance and mortgage-insurance amounts may change.Rates and pricing are subject to change and may not be available at commitment or closing. Illustrative Florida estimate. Not an offer, approval, commitment to lend, Loan Estimate or rate lock.Discount points: 0.058

30-YEAR FIXED

Lower Rate

A lower rate bought down with discount points.

RATE6.250%APR6.399%Estimated principal & interest$3,463/mo30-year fixed · Approximately 360 monthly P&I payments of $3,463.Includes estimated property taxes, homeowners insurance and applicable mortgage insurance. Excludes HOA/CDD dues, flood insurance and other property-specific costs unless entered. Taxes, insurance and mortgage-insurance amounts may change.Rates and pricing are subject to change and may not be available at commitment or closing. Illustrative Florida estimate. Not an offer, approval, commitment to lend, Loan Estimate or rate lock.Discount points: 1.085

Need help comparing these options?

Pricing last checked 08/21/2026 · Illustrative Florida estimate—not a commitment to lend or a rate lock.

Showing: Closest to Par. Select the other card to see its details.

Monthly payment

Principal & interest$3,555Property taxes$625Homeowners insurance$375Estimated initial monthly payment$4,555

Cash needed at closing

Down payment$187,500Lender fees$1,150Settlement$1,525Title$350Florida documentary stamp tax$1,969Florida intangible tax$1,125Estimated closing costs$6,119Prepaid interest$1,002Property-tax escrow$2,344Homeowners insurance escrow$600First-year homeowners insurance$2,400Deed documentary stamps$0Prepaids and escrow setup$6,345Discount points$326Estimated cash to close$200,290

Loan and pricing details

Loan purposePurchasePurchase price$750,000Down payment25% · $187,500Base loan amount$562,500Total financed loan$562,500Payment calculated onBase loan amountProperty taxes (annual)$7,500 · Florida planning defaultHomeowners insurance (annual)$4,500 · Florida planning defaultTerm30-year fixedCredit range780–799OccupancyPrimary residenceProperty typeSingle-familyStateFloridaLock period30-day lockPoints0.058 points · $326Rate6.499%APR6.550%Pricing source effective08/21/2026Pricing last checked08/21/2026Pricing selection methodClosest available to par

Option comparison

Additional upfront cost$5,739Monthly principal-and-interest difference$92Estimated break-even63 months

Break-even is the approximate time needed for the lower monthly payment to recover the added upfront cost.

Advertised terms

30-year fixed · Approximately 360 monthly P&I payments of $3,555 · 25% down · Taxes and insurance estimated · HOA excluded unless entered · 30-day lock · Pricing source effective 08/21/2026 · Florida planning estimate — not a commitment to lend or a rate lock

Important disclosures

No private mortgage insurance applies at this loan-to-value.

Estimated cash needed at closing is the full amount due at closing — the down payment, estimated closing costs, prepaids and escrow setup, and any discount points or lender credit. It is more than closing costs alone. HOA dues are not included in the estimated monthly payment unless you enter them; this pricing model does not estimate them.

Florida properties only. Planning estimates from the imported Florida mortgage pricing for the scenario shown, which can change until a rate is locked. Not a loan approval, a commitment to lend, or a rate lock. Final terms depend on a complete application, underwriting, credit, income, assets, property type, appraised value and program eligibility.

FAST WHEN IT MATTERS

FAST CLOSINGS IN AS LITTLE AS

14business days

With a complete file and a responsive team, eligible loans may close in as little as 14 business days. Not a guarantee.

CLEAR PRICING. RESPONSIVE SERVICE. BUILT TO MOVE QUICKLY.

With a complete file and a responsive team, eligible loans may close in as little as 14 business days.

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WHAT ARE YOU PLANNING?

Choose your path to explore payments, loan options and next steps—without starting an application.

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Buying a Home

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LOAN OPTIONS

FIND THE RIGHT LOAN FOR YOUR NEXT MOVE.

Compare Conventional, FHA and VA financing for your next home.

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    Conventional Loans

    Flexible financing for primary homes, second homes and investment properties, including eligible 3% down options.

    Down payment, mortgage insurance and eligibility requirements vary.

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    FHA Loans

    Eligible borrowers may purchase a primary home with as little as 3.5% down.

    Mortgage insurance applies. Eligibility and lender requirements vary.

    Government-backed financing with flexible credit and down-payment guidelines.

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    VA Loans

    Eligible veterans, service members and surviving spouses may purchase a primary home with 0% down and no monthly mortgage insurance.

    VA eligibility and funding-fee rules apply.

  4. Programs are subject to credit approval, eligibility, property requirements and change without notice. This is not a commitment to lend.

BORROWER OUTCOMES

THE NUMBERS GET YOU HERE. THE EXECUTION GETS YOU CLOSED.

Real borrowers. Real closings. See what clients say across the web.

“Super communicative and willing to answer all my questions.”

“Worked with Shahram for our mortgage. He did a fantastic job. He beat even the most competitive offer from other banks and helped us lock a rate before they shot up. Super communicative and willing to answer all my questions. Overall a very easy experience and we were very pleased with his professionalism and expertise.”

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“His experience and years of expertise helped greatly move my first home buying experience along smooth and simple.”

“Shahram and his group are fantastic. Quick working, straight to it! His experience and years of expertise helped greatly move my first home buying experience along smooth and simple. Will refer him to all friends and family”

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Customer experiences are individual. Mortgage rates and outcomes depend on the borrower, property, market and timing.

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MORTGAGE TOOLS

Mortgage tools built for real decisions.

Check rates, estimate payments, explore what fits your budget and determine when refinancing actually makes sense.

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    Pricing appears after your scenario is checked.

    Live Rate Tool

    Compare loan structure, see real planning numbers, and understand how payment and cash to close change based on your scenario.

    Open Rate Tool

  • Mortgage Payment Calculator

  • Home Affordability Calculator

  • Rate Horizon

    Refinance Break-Even Calculator

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