1Rate 6.750% with an APR of 6.890% as of 7/18/2025 2:42 PM EDT. 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 $1,557. 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
Vishwanauth Balliram
Sr Loan Advisor NMLS ID: 460184
Staten Island, NY 10308
I’m a mortgage expert with significant experience and in-depth industry knowledge.
Are you looking to purchase your first home or purchase a bigger home or investment property? If so, I am just the person you are looking for. Coming from a military family and growing up in Brooklyn and Queens, N.Y., I have a strong sense of leading from the front, working on a project until we get it done, and advocating for my clients!
Every transaction is important to me because I believe that every client is looking for a friend and someone they can trust to refer their friends and family to and be proud to say, "He helped us to own a home." If you are looking for someone who will work with you from start to finish and build a lifelong relationship with, feel free to contact me anytime. I don't work bankers' hours!
Mortgage Specialization
- Adjustable-Rate Mortgages
- FHA Government Loans
- Fixed-Rate Mortgages
- Investment Property Loans
- Second Homes
- VA Government Loans
Client Testimonials
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 | 6.750% | 6.890% 1 |
| 15-Year Fixed | 5.750% | 5.972% 2 |
| FHA 30-Year Fixed | 5.875% | 6.755% 3 |
2Rate 5.750% with an APR of 5.972% as of 7/18/2025 2:42 PM EDT. 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 $1,993. 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 5.875% with an APR of 6.755% as of 7/18/2025 2:42 PM EDT. 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 $1,445. 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: 460184
Staten Island, NY 10308
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