Tell us your story.
Share what you’re planning and what matters most. We’ll help you see where to start.
YOUR NEXT CHAPTER STARTS HERE
Life isn’t one-size-fits-all.
Your mortgage
shouldn’t be either.
A first home. A growing business. Your next investment. Find a financing path that fits your story—with people who take the time to understand it.
Real people. Flexible options.
Guidance from start to home.
THE DOOR TO SOMETHING NEWLet’s open it together.↗
A home is more than an address.
Built around your possibilities.Residential financingInvestment propertiesAlternative lending
MANY PATHS. ONE PLACE TO START.
Find a loan that
feels like you.
Income isn’t always a paycheck. A credit history isn’t your whole story. Explore options for where you are—and where you want to go.
Traditional Mortgage
Non-Traditional Programs
Compare all loan programs and requirements. Program availability and eligibility vary. Our team can help you understand the requirements for your situation.
A LITTLE MORE HUMAN.
We see the person.
Then the paperwork.
Homeownership starts with a conversation. We listen to your goals, help you understand your choices, and work with you toward a solution.
Meet your next step ↗40+
years of combined experience
in the home mortgage industry
Explore your possibilities.
Work with a specialist to compare programs, understand documentation, and move through the application.
Move forward with clarity.
From review to closing, get guidance on your next steps and what to expect along the way.
MAKE ROOM FOR THE POSSIBILITIES.
A clearer picture.
A confident next step.
Explore your monthly payment, including principal, interest, taxes, insurance and other housing costs. Compare terms and review your amortization schedule right here.
A starting point for your plans.
Enter estimates for the property you are considering. Confirm actual taxes, insurance, mortgage insurance and HOA dues for your property. Example rates are not Loan Direct quotes or APRs. Results are estimates, not loan offers or approval.
Make the numbers yours.
Calculated on your device · No signup
Estimated monthly housing cost
Principal & interest plus the costs you entered. Extra principal is shown separately below.
- Principal & interest
- Property tax
- Home insurance
- HOA dues
- Mortgage insurance
Loan amount
Total loan interest
Estimated payoff
With extra principal: / month
Estimated interest saved: ·
Estimated interest saved: ·
See your amortization schedule
Annual totals include any extra principal entered. Monthly payments are rounded to cents; the last payment may differ slightly. Taxes, insurance, HOA dues and mortgage insurance are excluded from this loan schedule.
| Year | Principal | Interest | Balance |
|---|
For a fixed-rate, fully amortizing loan with monthly payments. Assumes constant taxes, insurance, HOA dues and mortgage insurance. Excludes closing costs, maintenance, tax benefits and prepayment penalties. Extra payments are assumed to go directly toward principal starting with the first payment. This is an estimate, not a loan offer, approval or financial advice. Nothing you enter is sent by this calculator or saved after you leave the page.
GOOD QUESTIONS. CLEAR ANSWERS.
A little clarity
goes a long way.
Can I get a mortgage if I’m self-employed?
Loan Direct offers options with flexible income documentation for self-employed borrowers. A specialist can review your business and income to discuss which programs may fit.
Do you offer financing for investment properties?
Yes. Our team works with property investors and can discuss available financing options based on your property, goals and qualifications.
Where should I start if I’m buying my first home?
Start with a conversation about your budget and goals. Our team can explain the application, documentation and pre-approval process before you begin your home search.
Is this calculator a loan quote?
No. It estimates payments using your inputs and the costs you enter. Confirm actual costs for your property. Contact us for loan options and terms specific to you.
How do I know if you lend in my state?
View our state licensing information and confirm current availability with our team. Programs and requirements vary by location.
YOUR STORY. OUR NEXT CONVERSATION.
Let’s make
your next move.
Tell us where you want to go.
We’ll help you explore how to get there.
TALK WITH A LOAN SPECIALIST(877) 88-LOANS ↗info@loandirect.us ↗
Monday–Friday · 9 AM–5 PM Pacific
Prefer to talk first? Call or email us with a general question. Please use the application portal for sensitive financial information.