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Lonna Espedal

Certified Mortgage Advisor

NMLS 501975

AMERICAN MORTGAGE & EQUITY CONSULTANTS, INC.
Free Consultations - Phone Answered 7 Days A Week!
www.lonnatheloanofficer.com | www.amecinc.com
COMPANY NMLS 150953 | BRANCH NMLS 793361
NMLS License in MN 501975|WI 501975|Arizona Banker # 0940462

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Historical Primary Mortgage Market Survey® data provided by Freddie Mac
Important Disclosure


Freddie Mac PMMS® data is provided "as is," with no warranties of any kind, express or implied, including, but not limited to, warranties of accuracy or implied warranties of merchantability or fitness for a particular purpose. Not all borrowers will qualify. Use of the data is at the user's sole risk. This chart is for illustrative purposes only. This is not a commitment to lend. Not all borrowers will qualify. These are the current national mortgage rates on popular loan products. Rates shown are not available in all states or to all borrowers.
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Mortgage Calculator

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This is not a commitment to lend. Not all borrowers will qualify. This is for illustrative purposes only and estimates are based on information you provided. Interest rates, mortgage insurance rates, and programs are subject to credit approval and available rates and terms will vary, sometimes drastically, based on borrower eligibility and program selected. For accurate interest rates and mortgage insurance rates please contact your mortgage consultant. For illustrative purposes FHA/VA and USDA loan amounts will include an estimate for the financed upfront MI amount.

Refinance Calculator

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This is not a commitment to lend. Not all borrowers will qualify. This is for illustrative purposes only and estimates are based on information you provided. Interest rates, mortgage insurance rates, and programs are subject to credit approval and available rates and terms will vary, sometimes drastically, based on borrower eligibility and program selected. For accurate interest rates and mortgage insurance rates please contact your mortgage consultant. For illustrative purposes FHA/VA and USDA loan amounts will include an estimate for the financed upfront MI amount.

Affordability Calculator

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This is not a commitment to lend. Not all borrowers will qualify. This is for illustrative purposes only and estimates are based on information you provided. Interest rates, mortgage insurance rates, and programs are subject to credit approval and available rates and terms will vary, sometimes drastically, based on borrower eligibility and program selected. For accurate interest rates and mortgage insurance rates please contact your mortgage consultant. For illustrative purposes FHA/VA and USDA loan amounts will include an estimate for the financed upfront MI amount.

Calculator Results

You can afford $300,000

Your Monthly Payment: $667/month
Total Loan Amount: $240,000
Estimated insurance needed:$667/month
MI rates provided by Logomgictrans12

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Rates Disclosure

Interest rates and APRs are based on current market rates, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score and other variables - call for details. This is not a credit decision or a commitment to lend.  Mortgage insurance may be required. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. Additional loan programs may be available. APR (annual percentage rate) reflects the effective cost of your loan on a yearly basis, taking into account such items as interest, most closing costs, discount points (also referred to as "points"), and loan-origination fees. One point is 1% of the mortgage amount (e.g., $1,000 on a $100,000 loan). Your monthly payment is not based on APR, but instead on the interest rate on your Note. Adjustable Rate Mortgage (ARM) rates assume no increase in the financial index after the initial fixed period. ARM rates and monthly payments are subject to increase after the fixed period.

Rates and APRs also assume owner occupied Single family residences with an 80 loan-to-value (20% Down payment).  Discount point have varied and can be found on www.freddiemac.com.  These mortgage averages are for loans in 1st Lien Position.  The historical Freddie Mac PMMS® data is provided "as is," with no warranties of any kind, express or implied, including, but not limited to, warranties of accuracy or implied warranties of merchantability or fitness for a particular purpose. Use of the data is at the user's sole risk. In no event will the advertiser on this app or Freddie Mac be liable for any damages arising out of or related to the data, including, but not limited to direct, indirect, incidental, special, consequential, or punitive damages, whether under a contract, tort, or any other theory of liability, even if Freddie Mac is aware of the possibility of such damages.

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As an experienced Mortgage Loan Officer it is my passion to serve you; creating lifelong customers one at a time! When I meet with a customer I first and foremost LISTEN to your needs and goals, ANSWER any questions you may have, and then HELP you analyze and create a plan to select a mortgage program that is best for financing your home. With delegated underwriting privileges with more than 15 different banks and mortgage companies, and broker relationships with another 13, if there is a product out there, I have it! After your loan is started I then carefully follow the entire process from loan application to loan closing to ensure a smooth transaction for all parties. We close on time!!! Our relationship doesn’t end at closing, I am available for you should you ever have any questions about your loan. Whether you are purchasing, building or refinancing an existing home, I want to be your Loan Officer for Life! Don’t keep me a secret out there…Feel free to share my name and contact information!!! Most of my business comes from past clients and referrals and I am always very grateful when a past client refers me to one of their friends, colleagues or family members! My husband Mark and I have four children, three grandchildren and our best friends Maggie and Abby (our Golden Doodle and Cava Doodle). Our hobbies include golf, downhill skiing, bird watching, and hanging out at our lake home with family and friends. "You find the Perfect Home ~ I’ll find the Perfect Loan" AFFILIATIONS: Certified Military Housing Specialist | Certified Mortgage Specialist with Minnesota Mortgage Assn | BNI-Business Network International Leadership Team
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DISCLAIMER

You are going to a 3rd party website and there is NO WARRANTY, expressed or implied, for the accuracy of this information or its applicability to your financial situation. Please consult your mortgage consultant.

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Ios288 5dc7329193cb4d1abc79d6fe225b7815
Lonna Espedal

Certified Mortgage Advisor

NMLS 501975

AMERICAN MORTGAGE & EQUITY CONSULTANTS, INC.
Free Consultations - Phone Answered 7 Days A Week!
www.lonnatheloanofficer.com | www.amecinc.com
COMPANY NMLS 150953 | BRANCH NMLS 793361
NMLS License in MN 501975|WI 501975|Arizona Banker # 0940462

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Ios288 5dc7329193cb4d1abc79d6fe225b7815
Lonna Espedal

Certified Mortgage Advisor

NMLS 501975

AMERICAN MORTGAGE & EQUITY CONSULTANTS, INC.
Free Consultations - Phone Answered 7 Days A Week!
www.lonnatheloanofficer.com | www.amecinc.com
COMPANY NMLS 150953 | BRANCH NMLS 793361
NMLS License in MN 501975|WI 501975|Arizona Banker # 0940462

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Welcome to my Mobile Mortgage App. Your information is safe and secure, only I will have access. Lonna Espedal~Certified Mortgage Advisor of AMEC. Call, text or email anytime I am here to help!