At Commerce Mortgage we strive to look at every loan as unique as its borrowers. We take a strategic approach to each loan to ensure that we are optimizing value and getting the client the best option for their specific financial needs. We are dedicated to our client’s experience and act more as a mortgage concierge service to go above and beyond to provide the same value to clients as the Lori Horner Group does as well. As a team, we will get you in your home as fast as possible as happy as possible to ensure that your buying experience is as positive as it can be.
We appreciate your business and look forward to guiding you through the loan process. Thank you and lets get started!
Based on the home's sale price, the term of the loan, buyer's down payment percentage, and the loan's interest rate, this calculator can help estimate what you'll need to pay out monthly for your new home. This calculator factors in PMI (Private Mortgage Insurance) for loans with less than a 20% down payment, as well as town property taxes and its effect on the total monthly mortgage payment.
Buying a home is a big step! Whether you're buying your first home, your dream home, or your tenth investment property, yours will be a big investment. We know how important this is to you and we have an army of experts to make sure we find the perfect property for your unique circumstances. Finding the perfect property is just one way we can help you with your real estate purchase.
In order to determine the amount of home you can afford a lender will use your debt-to-income ratio to determine the percentage of your pre-tax income you spend on debt. Your debt ratio will include: monthly housing costs, car payments, credit cards, student loans, and any other installment debt. If you take on more debt before buying a home it will have an impact on the amount of the loan that the lender will finance.Apply here