About Billy
Videos
My Services
- New Home Purchase Loans
- Refinance Loans
- FHA and Rural Development Loans
- Veteran (VA) Loans
- Construction and Renovation Loans
Real Reviews from Real Homebuyers
William
San Antonio, TX
"Even though there were several glitches in the process, Kim responded to them promptly."Read more
for Loan Officer
Kim Ghanem
Canisius
Austin, TX
"Michael is amazing, I've been with him for almost 10 years and won't use anyine else."Read more
for Loan Officer
Michael Landers
George
Corpus Christi, TX
"I had a great experience working with Chris Richards as my loan officer. He was very helpful, patient, and always took the time to explain things and answer my questions. The whole process felt a lot easier because Chris kept me updated and made sure I knew what was going on. I really appreciate his hard work and professionalism, and I would definitely recommend Chris to anyone looking for a loan officer."Read more
for Loan Officer
Chris Richards
Oscar
Big Bear Lake, CA
"The reassurance and attentiveness of the team"Read more
for Loan Officer
Ivan Diaz
Satwinder
Arlington, TX
"Kim is very responsive, extremely knowledgeable and got us to the closing table without any stress.Thanks Kim Ghanem for making our refinance process a smooth experience."Read more
for Loan Officer
Kim Ghanem
Micah A
Porter, TX
"Michael was easily accessible, called us back and answered promptly. Explained things well and was very encouraging."Read more
for Loan Officer
Michael Landers
Bhupinder
Arlington, TX
"Very professional,efficient and great communication through the process. Made the entire loan process smooth and easy. Highly recommend!"Read more
for Loan Officer
Bhupinder Mangat
Robert
Midland, TX
"Chris was awesome, helped me every step of the way, explained evey paper I signed, explained everything that was going on with the process. I'd definitely refer others, and I would definitely use him"Read more
for Loan Officer
Chris Richards
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$
years
$
%
$
%
PMI (Principal Mortgage Interest) is required if the down payment is less than 20% of the purchase price. This is an estimated PMI only.
$
$
$
$3,500
Monthly Payment
Real APR
0
Monthly Taxes
208
Monthly HOA
0
Monthly Insurance
50
Monthly PMI
0
Monthly Principal and Interest
0
Calculators provide estimates only. Estimates shown should not be considered exact payments. Contact your local loan officer for precise and personalized information. See full legal disclosures.
Legal Disclosures
The AFG mortgage calculator is for estimation purposes only. Results do not reflect all loan programs and are subject to individual program loan limits. Qualification, rates and payments will vary based on timing and individual circumstances. This is not a commitment to lend.
Here’s a payment example based on an average home price and the most common loan type:
Loan amount: $300,000
Loan type: 30-year Fixed-Rate Loan
Interest rate/APR: 7.375% (7.692% APR)
Monthly payment: $2,072.03
Points: 1.875 points, costs due at closing
Loan-to-value (LTV): 80.00%
One point is equal to one percent of your loan amount. Payment does not include taxes and insurance. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. Rates shown are valid on publication date of April 18, 2024.
1If you didn’t enter taxes and insurance amounts, an estimate of your taxes is based on the state selected. This does not include all fees.
Interested in buying down your interest rate? See what your monthly payment could be.
years
$
%
$
$
%
PMI (Principal Mortgage Interest) is required if the down payment is less than 20% of the purchase price. This is an estimated PMI only.
$
$
$
Total Buydown Cost
$0,000
Real APR
0
Monthly Taxes
208
Monthly HOA
0
Monthly Insurance
50
Monthly PMI
0
4% Interest Rate
Principal and Interest
0
Buydown Contribution
0
Total Payment
0
Principal and Interest
0
Buydown Contribution
0
Total Payment
0
Principal and Interest
0
Buydown Contribution
0
Total Payment
0
Principal and Interest
0
Buydown Contribution
0
Total Payment
0
Calculators provide estimates only. Estimates shown should not be considered exact payments. Contact your local loan officer for precise and personalized information. See full legal disclosures.
Legal Disclosures
The AFG mortgage calculator is for estimation purposes only. Results do not reflect all loan programs and are subject to individual program loan limits. Qualification, rates and payments will vary based on timing and individual circumstances. This is not a commitment to lend.
Here’s a payment example based on an average home price and the most common loan type:
Loan amount: $300,000
Loan type: 30-year Fixed-Rate Loan
Interest rate/APR: 7.375% (7.692% APR)
Monthly payment: $2,072.03
Points: 1.875 points, costs due at closing
Loan-to-value (LTV): 80.00%
One point is equal to one percent of your loan amount. Payment does not include taxes and insurance. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. Rates shown are valid on publication date of April 18, 2024.
1If you didn’t enter taxes and insurance amounts, an estimate of your taxes is based on the state selected. This does not include all fees.
Payment Breakdown
Enter a mortgage term of 100 years or less to see the amortization chart and schedule.
Amortization
Amortization Schedule
Start Date:
-
Payoff Date:
-
Loan Period:
-
No. of Payments:
-
Total Interest:
-
Interest Rate:
-
| # | Payment Date | Payment | Interest | Total Interest | Principal | Total Principal | Total Payments | Balance |
|---|
$
years
$
%
$
Time Remaining
New Loan Term
%
$
$
Refinancing Could Save You
$0,000/month
Original Monthly Payment
0
New Monthly Payment
0
Upfront Cost
0
Lifetime Savings
0
Calculators provide estimates only. Estimates shown should not be considered exact payments. Contact your local loan officer for precise and personalized information. See full legal disclosures.
Legal Disclosures
The AFG mortgage calculator is for estimation purposes only. Results do not reflect all loan programs and are subject to individual program loan limits. Qualification, rates and payments will vary based on timing and individual circumstances. This is not a commitment to lend.
Here’s a payment example based on an average home price and the most common loan type:
Loan amount: $300,000
Loan type: 30-year Fixed-Rate Loan
Interest rate/APR: 7.375% (7.692% APR)
Monthly payment: $2,072.03
Points: 1.875 points, costs due at closing
Loan-to-value (LTV): 80.00%
One point is equal to one percent of your loan amount. Payment does not include taxes and insurance. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. Rates shown are valid on publication date of April 18, 2024.
1If you didn’t enter taxes and insurance amounts, an estimate of your taxes is based on the state selected. This does not include all fees.
Resources
Downloadable Guides
We’ve created these guides to be a valuable resource to walk you step-by-step through your next adventure.
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7600 Burnet Road
Suite 315
Austin, TX 78757
(123) 456-7890
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