The Toni Taylor Team has a highly knowledgeable staff in South Florida, we truly encompass the word TEAM. Priding ourselves in top notch COMMUNICATION, we work seamlessly together to provide all Florida residents with the highest quality home loans. Whether you are looking to build your dream home, purchase a home, refinance, do some home improvement, or simply check rates, we are always here to help!
We are your local Mortgage Experts who offer a wide range of mortgages to suit every financial situation. With competitive interest rates and flexible products we can make buying and refinancing a home a smooth and efficient process. No cash to put down? Less than stellar credit? Just not sure what you can afford? No matter what has held you back in the past, Interconnect Mortgage Inc. can help you find your best fit.
Buying a Home should be Stress-Free! We will guide you through the process and help you select the best possible loan option for your specific situation.
We are your local Mortgage Experts who offer a wide range of mortgages to suit every financial situation. With competitive interest rates and flexible products we can make buying and refinancing a home a smooth and efficient process. No cash to put down? Less than stellar credit? Just not sure what you can afford? No matter what has held you back in the past, Interconnect Mortgage Inc. can help you find your best fit.
Buying a Home should be Stress-Free! We will guide you through the process and help you select the best possible loan option for your specific situation.
Services
We know that you are not always able to find an answer to every question on our website.
That's why we encourage you to ask us a question.
One of the knowledgeable members of our team will respond shortly with an answer to any question you may have.
If you would like to speak with someone to ask your question, you can also reach us at our Palm Beach Gardens, Florida Mortgage Office at 561-207-8049.
That's why we encourage you to ask us a question.
One of the knowledgeable members of our team will respond shortly with an answer to any question you may have.
If you would like to speak with someone to ask your question, you can also reach us at our Palm Beach Gardens, Florida Mortgage Office at 561-207-8049.
I am licensed to do business in the state of California.
Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.
Thank you for taking the time to visit our site.
It's our goal to simplify a seemingly complex process and we're looking forward to assisting you!
Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.
Thank you for taking the time to visit our site.
It's our goal to simplify a seemingly complex process and we're looking forward to assisting you!
How much you can borrow from a lender?
Use this calculator to calculate the amount you can afford from the lender's point of view.
Before you start looking for a new home, you need to have an idea of how much you can afford to pay for a home.
To find this out, you will need to take a closer look at your total monthly household income as well as the debts and regular monthly payments you are already making.
In addition, you will need to consider how much money you can put in down payment, the loan interest rate, and the length of the loan.
Use this calculator to calculate the amount you can afford from the lender's point of view.
Before you start looking for a new home, you need to have an idea of how much you can afford to pay for a home.
To find this out, you will need to take a closer look at your total monthly household income as well as the debts and regular monthly payments you are already making.
In addition, you will need to consider how much money you can put in down payment, the loan interest rate, and the length of the loan.
Calculate your monthly payment with applicable financial charges, PMI, hazard insurance, and property taxes.
As you can see, your payment will vary depending on how much you will be borrowing, the interest rate, and the length of your loan.
Other factors also need to be taken into consideration, such as your taxes, your insurance, and your PMI, all of which are included in your monthly house payment.
Even the value of your home will affect your payment.
Since your loan to value ratio is 83.33%, you will also have to pay PMI for 31 months and this will tack on an extra $177.08 a month.
As you can see, your payment will vary depending on how much you will be borrowing, the interest rate, and the length of your loan.
Other factors also need to be taken into consideration, such as your taxes, your insurance, and your PMI, all of which are included in your monthly house payment.
Even the value of your home will affect your payment.
Since your loan to value ratio is 83.33%, you will also have to pay PMI for 31 months and this will tack on an extra $177.08 a month.
Is it financially better to buy a home or to rent?
The answer to this question depends upon how much the home costs, how much you are paying for rent, and how much you will have to pay each year in order to maintain your home.
If you were to pay $800.00 per month, for example, and the average rental payment increase was 4.000%, you would pay $51,996.70 in a 5 year period toward rent.
When you consider your tax benefits and the appreciation of your home, however, you will actually SAVE money by purchasing a home.
The answer to this question depends upon how much the home costs, how much you are paying for rent, and how much you will have to pay each year in order to maintain your home.
If you were to pay $800.00 per month, for example, and the average rental payment increase was 4.000%, you would pay $51,996.70 in a 5 year period toward rent.
When you consider your tax benefits and the appreciation of your home, however, you will actually SAVE money by purchasing a home.
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