Justin PatnodeAdvice first. Then the mortgage.

The advisor's first question

What's my payment, really?

Not just principal and interest — the whole number: taxes, insurance, mortgage insurance, HOA. Move the sliders and watch the real monthly cost take shape.

Estimated total monthly payment

$0/mo

Payment breakdown donut chart
  • Principal & interest $0
  • Property taxes $0
  • Insurance $0
  • Mortgage insurance $0
  • HOA $0
Loan amount$0
Down payment cash$0
Life-of-loan interest$0

Under 20% down usually means mortgage insurance (estimated here at 0.5%/yr). It's not a penalty — it's the tool that makes low-down-payment buying possible, and on conventional loans it cancels as equity grows.

💬 Text Justin these numbers

Calculator results are estimates for illustrative and educational purposes only, are not a quote, rate lock, pre-qualification or pre-approval, and accuracy is not guaranteed. Actual rates, payments, taxes, insurance and mortgage insurance vary by scenario. Contact Justin for figures specific to your situation.

The calculator gives you a number.
Justin gives you a plan.

Sample math is a starting point. Real advice accounts for your credit, your programs, your market, and your timing. That conversation is free.

💬 Text Justin: 612-849-1983Apply with Justin