1Rate 6.859% with an APR of 7.012% as of 12/6/2024 4:56 PM EST. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount, and origination fee of $1,295 with 360 monthly payments in the amount of $1,574. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.
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Before you go
Bernard Nubla
Sr Loan Advisor NMLS ID: 256213
Troy, MI 48084
Whether you're a first-time buyer, purchasing a second home or simply refinancing, I can personalize a home lending solution that’s tailor-fit to your needs.
Whether you’re a first-time homebuyer, looking to trade up, deciding to downsize, or simply wishing for a change, I would be happy to help you before you ever make an offer on a property.
We can sit down with you and look over your budget, income, and savings to give you a clear picture of what type and amount of loan is realistic. There are many factors to consider when getting a home loan; interest rates are only one element of the complete package.
I will help you consider all your options so you can concentrate on making the best decision for your needs.
The financial aspects of home buying can be stressful and overwhelming—but they don’t have to be, with a trained professional like myself in your corner.
Contact me today at 925-595-5863, and let’s get started making your homeownership dream come true.
Mortgage Specialization
- Adjustable-Rate Mortgages
- Condominium Financing
- FHA Government Loans
- First-Time Home Buyer Programs
- Fixed-Rate Mortgages
- Jumbo Loans
- Low-to-Moderate Income Lending Program
- Pre-Qualifications
- Professional Loans
- Second Homes
- VA Government Loans
Client Testimonials
What to Expect
We get it: Purchasing a home or refinancing your mortgage is a big deal, and having a relationship with the right lender is essential. Get started by connecting with an experienced and trusted Flagstar home loan advisor. Starting on Day 1, we'll work with you to find the type of loan that suits your needs, and guide you through the lending process to make it as smooth and stress-free as possible.
Please select your lending process
- Purchase a home
- Refinance your home
Pre-qualify & Gather Financials
Submit your financial information and we'll give you a personalized estimate for your loan.
Pre-approval
Once you're pre-approved, we'll coordinate with the escrow or title company
Loan Review
Once your offer is accepted, we'll pass along your information to our underwriters to lock your mortgage interest rate.
Loan Approval
Once our underwriters approve your loan, we'll get you ready for closing.
Close & Receive your funds
We’ll close your loan and wire your funds into escrow so you can complete your home purchase.
Loan Application
Complete a loan application online, and submit the necessary financial documents.
Appraisal
We'll conduct an appraisal of your property to determine its current value.
Underwriting Approval
Once our underwriters approve your loan, we'll get you ready for closing.
Loan Signing & Funding
We'll close your loan and wire your funds into escrow so you can access your funds.
Find the loan product that's right for you.
Are you looking to purchase a new property or refinance an existing one?
Today's Rate
| Mortgage | Rate | APR |
|---|---|---|
| 30-Year Fixed | 6.859% | 7.012% 1 |
| 15-Year Fixed | 5.894% | 6.136% 2 |
| FHA 30-Year Fixed | 5.409% | 6.282% 3 |
2Rate 5.894% with an APR of 6.136% as of 12/6/2024 4:56 PM EST. The APR calculation is based on a 15-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 180 monthly payments in the amount of $2,012. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.
3Rate 5.409% with an APR of 6.282% as of 12/6/2024 4:56 PM EST. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 96.5% loan-to-value (LTV) or 3.5% down payment, minimum borrower credit score of 740, estimated points of 1% of the loan amount, and origination fee of $1,295 plus 1.75% FHA funding fee with 360 payments in the amount of $1,373. Payment amount does not include taxes and insurance, which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV, mortgage insurance premiums, and other credit factors. Program terms available may vary based on the state and county in which the financed property is located. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, and lender terms and conditions. Terms, conditions, and rates are subject to change without notice.
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Sr Loan Advisor NMLS ID: 256213
Troy, MI 48084
Let's do the math (the easy way).
Use our home loan calculators to break down the costs of buying a new home. How does a higher or lower down payment affect your monthly payment? Should you get a fixed or adjustable rate mortgage? Play around with different scenarios so you can make informed decisions about your home loan.
So, how does getting a mortgage work?
Buying a home is a big deal, and there are many ways to finance it. Understanding the basics of a home loan will get things off to a great start. Learn about the steps in the process, the paperwork you'll need, and what makes up your monthly payment.
