Utah and Idaho
Buy a home.
Start with the payment.
First home or the next one. I’ll show you the full monthly number before you write an offer.
Buying my first home.
Start with what you can afford, then the down payment and the first offer.
First-time buyersBuying my next home.
Put the equity, the sale timing, and the next payment into one plan.
Move-up buyersThe number
See the whole payment.
Principal, interest, taxes, insurance, and HOA. The price is one number. This is the one you live with.
Make it your own.
Adjust the details. See the whole picture.
Use your own tax & insurance figures
Optional. Leave blank to use county and conventional PMI estimates.
The rate shown is an example, not a current offer. Tax, insurance, and PMI use estimates.
Your estimated monthly payment
—/ month
- Principal & interest
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- Property tax
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- Home insurance
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- Mortgage insurance (PMI)
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- HOA dues
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An estimate to start the conversation.
Estimate only. Not a quote or a commitment to lend.
Start with what you can affordA real person. A clear next step.
Send me this payment.
Send the estimate you just ran and your questions. I’ll follow up using the contact details you provide.
Before the first offer
Worth asking.
A full pre-approval, proof of earnest money, and a lender who picks up when the listing agent calls. I write the letter to the address and the terms of that offer.
Some eligible buyers can use a low-down-payment program. We’ll compare cash to close, mortgage insurance, and monthly costs, while leaving room for your savings and other priorities.
We can start the review before your move. Share your timeline, employment plans, and available documents so we can discuss the requirements and when a pre-approval may be available.