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THE HARBORPOINT WAY
A Seamless Path to Homeownership
Backed by 30 years of mortgage expertise, our 6-step process ensures clear options, honest communication, and no surprises.
Curious about what loan option makes the most sense for you? Test it out by using our Comparison Mortgage Calculator...
Our mortgage calculators are for demonstration purposes only and may not reflect actual numbers for your specific mortgage. Contact us and we will walk you through the best possible mortgage scenario for your specific needs!
Total cost after
1 year
years
Option A
$/mo
Loan Type
Loan Amount
$
Interest Rate
%
Upfront Cost
$
Monthly Payment
$
Lifetime Cost
$
Option B
$/mo
Loan Type
Loan Amount
$
Interest Rate
%
Upfront Cost
$
Monthly Payment
$
Lifetime Cost
$
Estimated Costs
These costs are estimated based the information added in the advanced section. You may adjust these values to suit your particular situation in order to get a more accurate estimate.
Loan Option A
Loan Option B
Loan Amount
$
$
Down Payment
$
$
Interest Rate
%
%
Loan Term
years
years
Taxes & Insurance Included?
Property Tax(1st year)
$
$
Home Owners Insurance(1st year)
$
$
HOA dues
$
$
Home Appreciation
%
%
Upfront Fee
$
$
Total upfront fees
$
$
Total Interest Payments
$
$
Total Principal Payments
$
$
Lifetime Cost
$
$
How We Calculate the Costs
Comparing Mortgage Options
This calculator helps you compare two different mortgage options. It takes into account various factors for each option:
Loan Details:
- Loan type (Conventional, FHA, VA, USDA)
- Loan amount
- Interest rate
- Loan term
- Down payment amount
- Property taxes
- Homeowners insurance
- HOA fees
- Private Mortgage Insurance (PMI) if applicable
- Conventional loans: Typically closing costs (2-5% of loan amount)
- FHA loans: Upfront Mortgage Insurance Premium (UFMIP) of 1.75% of the loan amount
- VA loans: VA Funding Fee (varies based on down payment and use)
- USDA loans: Upfront guarantee fee of 1% of the loan amount
- Monthly mortgage payment (principal and interest)
- Total interest paid over the life of the loan
- Total cost of the loan (including upfront fees, monthly payments, and additional costs)
- Annual home appreciation rate: %
- Monthly payment
- Total upfront costs
- Total cost over the life of the loan
- Break-even point (if applicable)
Free Tools
Check out our other mortgage calculators
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Founder
Mark R. Sgromolo | Founder & President
With 30 years of mortgage lending experience, Mark founded HarborPoint Mortgage LLC to give clients the best of both worlds: highly competitive financing and exceptional personal service. From the initial consultation to closing, Mark ensures every borrower receives clear options and honest communication. A resident of Myrtle Beach, Mark spends his free time traveling, golfing, cooking and spending time with his loved ones.
Options
CLEAR · COMPETITIVE
Communication
HONEST · INFORMED
Service
PERSONAL · EXCEPTIONAL
