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Mr.

"Tony is an absolute miracle worker! Although I was a very qualified buyer,..."

- Kackie Cohen
Santa Cruz, CA

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Should I Refinance?
Deciding whether or not you should refinance your home mortgage depends upon several factors. It also depends upon whether you are looking to simply reduce your monthly payment or if you are hoping to save money in the long run...
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Should I use HELOC to Lower My Debt Payments?
HELOC stands for Home Equity Line Of Credit. HELOC is an option you might want to consider if you have certain amount in your home equity and your debt payments are more than you can afford to make each month...
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Standard vs. Bi-Weekly
When you set up your mortgage payment repayment plan, you can choose between a standard repayment plan or a bi-weekly repayment plan. With the standard plan, it would take you 30 years to repay the loan while a biweekly plan will take 25 years and 3 months...
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Tax Benefits Calculator
When determining your tax benefits, you need to gather together quite a bit of information. Among the pieces of information you will need are:

  • The current value of your home
  • The number of years before you plan to sell the home
  • The amount of your loan
  • The interest rate on your loan
  • The length of your loan
  • The number of points applied to your loan
  • The closing costs when you purchased the home
  • The annual taxes for the property
  • The annual insurance for the property
  • The PMI rate
  • The Federal tax rate
  • The State tax rate
  • The amount of your deductions

  • After plugging in all of this information, you can determine the tax benefit of your home, which will help you determine the amount you are really paying for your mortgage each month...
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    What if I Pay More Every Month?
    When it comes to a home mortgage loan, you can actually pay off the loan much more quickly and save a great deal of money by simply paying a little extra each month...
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    What is The Real APR for That Loan?
    Did you know that the advertised APR and the APR you really pay on a loan isn't necessarily the same? It's true! By the time you include other factors such as closing costs, your APR will not be exactly what you thought it was...
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    Which Loan is Better?
    While shopping for a home mortgage loan, you will be presented with different loan options. Plugging this information into the loan comparison calculator will allow you to determine which one is the best option for you...
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    [email protected] | ph. 808-664-4362 | fax. 1-866-205-0897