HomeWealth Solutions LLC  ·  NMLS #2742458  ·  Doug Smith, CMA®  ·  NMLS #2609118

Rate Board Presenter

Loan Parameters
Using loan:   ·   LTV:   ·   Down Payment:
Rate Options — Enter Rate % and Discount Points % for Each Option
Option 1
Option 2
Option 3
Option 4 (Baseline)
ⓘ  P&I only. Escrow (taxes & insurance) is identical across all options and excluded from this comparison. Breakeven uses interest savings only — principal paydown is equity, not cost reduction.
Rate Comparison Board
Option 1 Option 2 Option 3 Option 4
Interest Rate
APR
Term
Monthly P&I
Discount Points
Points Cost ($)
Cash to Close
Monthly Savings vs Opt 4
Net Savings at 36 Mo
Breakeven (Months)
Analysis Horizon — How Long Will the Borrower Keep This Loan?

Months:

36 months
Monthly P&I by Option
Net Savings at 36 Months vs Option 4
This communication is for informational and educational purposes only and does not constitute an offer to lend or a commitment to make a loan. All loans are subject to credit approval, underwriting guidelines, and property approval. Interest rates, payment examples, programs, and terms are illustrative, vary by borrower qualification, and are subject to change without notice. Not all applicants will qualify. Examples shown do not reflect all costs of a mortgage transaction. Consult a licensed tax or legal advisor regarding your individual situation. HomeWealth Solutions LLC is licensed by the Florida Office of Financial Regulation, Mortgage Broker License #MBR8082. Verify our licensure at www.nmlsconsumeraccess.org. Equal Housing Opportunity.
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