๐Ÿ“ž (949) 374-1833| โœ‰ tim@umm411.com| Tim Hardin  NMLS #294131
United Modern Mortgage  โ€ข  Powered by New American Funding

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Explore payments, buydowns, affordability and more with our suite of mortgage calculators โ€” built to give you real answers in seconds.

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Tim Hardin
Tim Hardin Branch Manager โ€ข NMLS #294131 โ€ข tim@umm411.com
โ˜…โ˜…โ˜…โ˜…โ˜… 4.9/5 from 421,000+ verified reviews ๐Ÿ”’ Secure application ๐Ÿ  Equal Housing Opportunity NAF NMLS #6606
Today's Average Rates
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National average rates โ€” 30-yr products unless noted. Source: Mortgage News Daily daily rate index. est. = estimated from conforming average using typical market spreads (High Balance +0.375%, Non-QM/DSCR +1.25%). Rates shown are interest rates, not APR. Averages are not a quote, rate offer, or commitment to lend โ€” actual rates and APR vary by scenario and are subject to qualification. Click any rate to load it into the current calculator.
โ˜…โ˜…โ˜…โ˜…โ˜… 4.9 out of 5 from 421,000+ verified customer reviews New American Funding reviews, independently collected via Experience.com. Customers were not compensated. Read the reviews โ†’
๐ŸŽฏ Are you actually ready to buy? Most people guess wrong.
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Temporary Buydown Calculator

Lower the rate โ€” and the payment โ€” for the first years of the loan. Compare 1-0, 1-1, 2-1 and 3-2-1 buydowns, see year-by-year savings, and copy a ready-to-read quote for your client.

Loan Details

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Payment by Year (principal & interest)

Buydown vs. Note Payment

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Tim Hardin
Tim's Team ยท United ModernOnline now ยท answers in seconds
๐Ÿ‘‹ Hi! I'm the UMM assistant. Ask me anything about mortgages โ€” rates, buydowns, what it takes to buy, how the process works. What's on your mind?
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