калькулятор кредита в америке
Калькулятор кредита в америке
Полезные сервисы
Кредитный калькулятор
Кредитный калькулятор онлайн представляет собой удобный сервис в Соединенных Штатах Америки, в котором можно рассчитать платёж, не обращаясь в банки и не выходя из дома. Он позволяет:
Предварительный расчет ежемесячного платежа экономит время. Теперь отсутствует необходимость в обращении в каждое финансовое учреждение по отдельности для того, чтобы понять, где лучше всего взять деньги.
Расчет потребительского кредита калькулятором
Результат появляется моментально. Он включает в себя несколько пунктов:
Обратите внимание! Для того чтобы было проще рассчитать ежемесячный платеж, все данные представлены как в виде цифр, так и в форме диаграммы.
Какие параметры вводить в калькулятор
Как правильно рассчитать кредит в банках Соединенных Штатов Америки? Для этого нужно ввести следующие параметры:
Аннуитетный тип
Аннуитет предусматривает начисление финансовой организацией равных долями на протяжении всего периода. При этом в течение первого половины срока долг почти не гасится. Денежные средства клиента идут преимущественно на выплату процентов. В результате значительно увеличивается выгода банка. Поэтому такой расчет процентов пользуется немалой популярностью у финансовых организаций.
Дифференцированный тип
Можно рассчитать потребительский кредит по дифференцированной схеме. При этом задолженность клиента по дням погашается равномерно. При такой схеме, начисление процентов происходит по фактическому остатку. При этом каждый последующий платеж оказывается меньше предыдущего. Это нужно учитывать перед тем, как взять кредит, рассчитать свои силы в плане его погашения.
Дифференцированный график выгоднее аннуитетного. Но перед тем, как рассчитать кредит по процентной ставке, нужно учесть один его существенный недостаток. В течение первых месяцев платежи будут сравнительно большими. Это может стать невыгодным для клиента банка.
Расчет графика выплат по аннуитетной схеме, в свою очередь, предполагает наличие относительно небольшой фиксированной платы. Кроме того, такие предложения значительно проще найти. Под аннуитетную схему разрабатывается большое количество новых программ. Поэтому предпочтителен расчет именно в соответствии с ней.
Mortgage Calculator
Use Zillow’s home loan calculator to quickly estimate your total mortgage payment including principal and interest, plus estimates for PMI, property taxes, home insurance and HOA fees. Enter the price of a home and down payment amount to calculate your estimated mortgage payment with an itemized breakdown and schedule. Adjust the loan details to fit your scenario more accurately.
Get a more accurate estimate
Get pre-qualified by a lender to see an even more accurate estimate of your monthly mortgage payment.
Explore more mortgage calculators
How much house can you afford? Use our affordability calculator to estimate what you can comfortably spend on your new home.
Interested in refinancing your existing mortgage? Use our refinance calculator to see if refinancing makes sense for you.
Your debt-to-income ratio helps determine if you would qualify for a mortgage. Use our DTI calculator to see if you’re in the right range.
Use our VA home loan calculator to estimate payments for a VA loan for qualifying veterans, active military, and military families.
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How to calculate mortgage payments
Zillow’s mortgage calculator gives you the opportunity to customize your mortgage details while making assumptions for fields you may not know quite yet. These autofill elements make the home loan calculator easy to use and can be updated at any point.
Remember, your monthly house payment includes more than just repaying the amount you borrowed to purchase the home. The «principal» is the amount you borrowed and have to pay back (the loan itself), and the interest is the amount the lender charges for lending you the money.
For most borrowers, the total monthly payment sent to your mortgage lender includes other costs, such as homeowner’s insurance and taxes. If you have an escrow account, you pay a set amount toward these additional expenses as part of your monthly mortgage payment, which also includes your principal and interest. Your mortgage lender typically holds the money in the escrow account until those insurance and tax bills are due, and then pays them on your behalf. If your loan requires other types of insurance like private mortgage insurance (PMI) or homeowner’s association dues (HOA), these premiums may also be included in your total mortgage payment.
Home price
The price is either the amount you paid for a home or the amount you may pay for a future home purchase.
Down payment
Most home loans require at least 3% of the price of the home as a down payment. Some loans, like VA loans and some USDA loans allow zero down. Although it’s a myth that a 20% down payment is required to obtain a loan, keep in mind that the higher your down payment, the lower your monthly payment. A 20% down payment also allows you to avoid paying private mortgage insurance on your loan.
Loan program
Interest rate
Mortgage interest is the cost you pay your lender each year to borrow their money, expressed as a percentage rate. The calculator auto-populates the current average interest rate.
Private Mortgage Insurance (PMI) is calculated based on your credit score and amount of down payment. If your loan amount is greater than 80% of the home purchase price, lenders require insurance on their investment. This is a monthly cost that increases your mortgage payment.
Property taxes
Your estimated annual property tax is based on the home purchase price. The total is divided by 12 months and applied to each monthly mortgage payment. If you know the specific amount of taxes, add as an annual total.
Home insurance
Homeowner’s insurance is based on the home price, and is expressed as an annual premium. The calculator divides that total by 12 months to adjust your monthly mortgage payment. Average annual premiums usually cost less than 1% of the home price and protect your liability as the property owner and insure against hazards, loss, etc.
HOA dues
Homeowners in some developments and townhome or condominium communities pay monthly Homeowner’s Association (HOA) fees to collectively pay for amenities, maintenance and some insurance. Update to include your monthly HOA costs, if applicable. If there are no HOA costs, you can leave the field blank.
Mortgage payment equation
The traditional monthly mortgage payment calculation includes:
Principal : The amount of money you borrowed.
Interest : The cost of the loan.
Mortgage insurance : The mandatory insurance to protect your lender’s investment of 80% or more of the home’s value.
Escrow : The monthly cost of property taxes, HOA dues and homeowner’s insurance.
Payments : Multiply the years of your loan by 12 months to calculate the total number of payments. A 30-year term is 360 payments (30 years x 12 months = 360 payments).
Type of home loans to consider
The loan type you select affects your monthly mortgage payment. Explore mortgage options to fit your purchasing scenario and save money.
Conventional loan (conforming loan)
Conventional loans are backed by private lenders, like a bank, rather than the federal government and often have strict requirements around credit score and debt-to-income ratios. If you have excellent credit with a 20% down payment, a conventional loan may be a great option, as it usually offers lower interest rates without private mortgage insurance (PMI). You can still obtain a conventional loan with less than a 20% down payment, but PMI will be required.
FHA loan (government loan)
An FHA loan is government-backed, insured by the Federal Housing Administration. FHA loans have looser requirements around credit scores and allow for low down payments. An FHA loan will come with mandatory mortgage insurance for the life of the loan.
VA loan (government loan)
VA loans are partially backed by the Department of Veterans Affairs, allowing eligible veterans to purchase homes with zero down payment (in most cases) at competitive rates. You won’t pay PMI, but VA loans do require a funding fee.
USDA loan (government loan)
The United States Department of Agriculture backs USDA loans that benefit low-income borrowers purchasing in eligible, rural areas. Credit requirements are loose on USDA loans. While an upfront funding fee is required on these loans, your down payment can be as little as zero down without paying PMI.
Jumbo mortgages (non-conforming)
Mortgage options and terminology
In addition to mortgages options (loan types), consider some of these program differences and mortgage terminology.
Loan term
A mortgage loan term is the maximum length of time you have to repay the loan. Common mortgage terms are 30-year or 15-year. Longer terms usually have higher rates but lower monthly payments. Shorter terms help pay off loans quickly, saving on interest. It is possible to pay down your loan faster than the set term by making additional monthly payments toward your principal loan balance.
Fixed rate vs adjustable rate
A fixed rate is when your interest rate remains the same for your entire loan term. An adjustable rate stays the same for a predetermined length of time and then resets to a new interest rate on scheduled intervals. A 5-year ARM, for instance, offers a fixed interest rate for 5 years and then adjusts each year for the remaining length of the loan. Typically the first fixed period offers a low rate, making it beneficial if you plan to refinance or move before the first rate adjustment.
Conforming loans vs non-conforming loans
Conforming loans have maximum loan amounts that are set by the government and conform to other rules set by Fannie Mae or Freddie Mac, the companies that provide backing for conforming loans. A non-conforming loan is less standardized with eligibility and pricing varying widely by lender. Non-conforming loans are not limited to the size limit of conforming loans, like a jumbo loan, or the guidelines like government-backed loans, although lenders will have their own criteria.
Start your home buying research with a mortgage calculator
A mortgage payment calculator is a powerful real estate tool that can help you do more than just estimate your monthly payments. Here are some additional ways to use our mortgage calculator:
Assess down payment scenarios
Adjust your down payment size to see how much it affects your monthly payment. For instance, would it be better to have more in savings after purchasing the home? Can you avoid PMI? Compare realistic monthly payments, beyond just principal and interest.
Calculate mortgage rates
Modify the interest rate to evaluate the impact of seemingly minor rate changes. Knowing that rates can change daily, consider the impact of waiting to improve your credit score in exchange for possibly qualifying for a lower interest rate. Click the «Schedule» for an interactive graph showing the estimated timeframe of paying off your interest, similar to our amortization calculator.
Evaluate affordability
Fine-tune your inputs to assess your readiness. Use our affordability calculator to dig deeper into income, debts and payments.
Sample loan programs
Adjust the loan program to see how each changes monthly mortgage payments
Frequently asked questions about mortgages
What is the principal of a loan?
The principal of a loan is the remaining balance of the money you borrowed. Principal does not include interest, which is the cost of the loan.
What is a down payment?
The down payment is the money you pay upfront to purchase a home. The down payment plus the loan amount should add up to the cost of the home.
APR vs interest rate?
Interest rate is the base fee for borrowing money, while the annual percentage rate (APR) is the interest rate plus the lender fees. APR gives you an accurate idea of the cost of a financing offer, highlighting the relationship between rate and fees.
How much are closing costs?
Closing costs for a home buyer are typically 2% to 5% of the purchase price of the home. Depending on loan type, these costs may roll into the mortgage payment or be paid at closing. Agent commission is traditionally paid by the seller.
How much is private mortgage insurance?
The cost of private mortgage insurance varies based on factors such as credit score, down payment and loan type.
How much is homeowner’s insurance?
Related Articles
Questions about the PMI in the mortgage calculator? Find out why PMI may be required for your loan and see how you can avoid paying it.
Wondering what down payment amount to enter into the mortgage payment calculator? Here’s a look at what the ideal down payment is.
Considering an FHA loan for your new home? Read about FHA loans and find out why they’re a popular option for first time homebuyers.
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Florida Mortgage Calculator
Use this Florida Mortgage Calculator to estimate your monthly mortgage payment, including taxes and insurance. Enter your Home Price and Down Payment in the fields below. In seconds, our Florida Mortgage Calculator will have an estimate of your monthly payment.
We know that buying a home can be complicated. Understanding your monthly payment is an important part of the process. Our Florida mortgage calculator lets you estimate your monthly mortgage payment breakdown, schedule, and more.
How To Use Florida Mortgage Calculator?
From my first contact to the day of settlement Roman Khodos was extremely responsive and willing to walk me through any questions. The speed at which my communications were received and answered was outstanding. He kept constant contact with me on any updates throughout the process. Roman Khodos a personable, helpful, knowledgeable and highly professional. Very stress free and would recommend him and RK Mortgage Group to anyone!
Very professional. I’m self employed and they made the process super easy. Everyone I talked to was friendly and helpful. I would definitely recommend this mortgage company.
Lucrece was the best! Being self-employed made it difficult to get a mortgage but, with the bank statement mortgage the process was a lot easier. Lucrece was there for me every step of the way and even held my hand during several meltdowns. This company was such a pleasure to work with.
Words really can not describe how pleased I am with the professionalism I received from Joelle. From start to finish she stood by my side and guided me thru every process that it took to get me into my dream home. Thank you RK Mortgage Group and Thank you Joelle! I feel I made a new friend this year.
As self-employed and without income verification there were not to many chances for us to be approved for a mortgage. Fortunately, we were able to find RK Mortgage Group which first gave us a hope and then delivered as promised. They were so great to work with, Joelle and MeMe, thanks again. Strongly recommended!
Roy and Me’Me closed my loan even after some condo issues we had that other Mortgage company could not close. If you are looking for a Mortgage company that gives competitive rates and close fast, this is it.
Lucrece and her team were awesome! Process was simple, quick, and nothing left to chance. We shopped around with confidence and when we were ready, our team at RK made our dreams come true! Thanks again, and we definitely recommend Lucrece and her team!
Andres was excellent and perfectly understood what I was looking for. His advises and the way to deal with minor inconveniences that arose during the process was really professional. I was really impress by the way that he answers all my questions and the promptness on how he answers back emails or calls. He is respectful and a complete gentleman. My transaction was completed in weeks, and when they said is done or, is really approve or done, they do not change the scenario down the road. In the past, I had to deal with different companies that takes four to six months, after a lot of papers, to tell me no, for whatever reason, after ask me to send again and again my information, that is the same again and again. If any one wants to do business with professionalism and respect, I recommend Andres and his team. Excellent, excellent, excellent!
I just want to say how thankful I am to have found Joelle Maximilien-Miller to do my loan. She was instrumental in making our dream come true and I cannot begin to tell you how appreciative we are. Without her assistance and hard work none of this would have happened. Thank you Joelle and RK Mortgage Group you are amazing!
Our experience with RK was wonderful from start to finish. We always knew exactly what we needed to do during our refi process. We really didn’t think we would be able to refinance but these guys were able to make it happen. We now have a significantly lower monthly payment and this is amazing! Thank you RK Mortgage!
Joelle of RK Mortgage Group and I were destined to do business together. We could not have asked for a more professional and compassionate person to help us refinance. We were pleased on how efficiently and promptly everything was handled.
We’re super happy with the service received from RK Mortgage. Andres Taillepierre and his team worked super hard and quick to give us the best deal refinancing our home. I highly recommend RK Mortgage Group!!
Have gone through the mortgage process a number of times, and this was by far the easiest! Will recommend to anyone needing a mortgage.
By far the smoothest mortgage process that we have ever had. Working with Juan Carlos Rivera was great. He was very prompt on getting back to you and making what can be a stressful process very easy. I highly recommend them.
Excellent service, Roy kept me informed each step of the way. I was impressed with the process. We actually closed in 26 days. No hidden fees or surprises. Great job RK team!
RK Mortgage Group was recommended to me by one of my friends. I was working with Roy and Me’Me. They are both very knowledgeable, honest and are true professionals.
We could never properly express our gratitude to Me’Me or Roy! They’re extremely professional and great at what they do. When others said no they kept pushing and found a way to get it done. This is our 2nd time working with them and each time they provided exceptional service. Thank you guys for everything.
It was a great process. I was really impressed with technology. I traveled for business and my wife stayed home. We were able to complete a mortgage application online and electronically sign all the documents the next morning. This saved us a lot of time. Great company. Strongly recommend to call RK Mortgage for all your mortgage needs.
Roman was patient and professional. I would go with him again!
I enjoy working with Joelle Maximilien-Miller. Her professionalism and strong work ethic make a big difference in the loan process. It is always a pleasure working with her always a positive attitude and very knowledgeable in the field. As a realtor I want to make sure my clients are taken care of and with Joelle that is not even a concerned. Thank you RK Mortgage and Joelle
RK Mortgage group and Joelle in particular was amazing to work with. Her professionalism was like no other. Words cannot expressed how happy I am with this group. From start to finish Joelle was there for us guiding us every step of the way. RK Mortgage group you are the best!
What en excellent experience! As first time byer I had million questions. These guys didnt miss single email, every phone call was answered and they brought me to closing with such an ease due to continuous and patient education. Highly recommended team that defines word professionalism in this sphere of business!
Absolutely without question the best mortgage company we have ever worked with. We have owned somewhere in the neighborhood of 20 houses, and used mortgages on all of them, so we know what we’re talking about! Joelle is the most professional loan officer we’ve had by far. We were buying a house that needed renovation in a neighborhood we loved. Because the kitchen cabinets and most of the flooring was missing, it was considered unlivable and therefore could not get a normal mortgage. Joelle worked tirelessly to help us get a hard money loan so that we could get this house and renovate it. She was always available either immediately or usually returned calls within an hour. We thought we were not going to be able to buy the house, but she made it work for us. We renovated and of course went back to her to refinance on a normal mortgage. I will always go back to her and recommend anyone to go to her company. Everyone we dealt with through her office was very professional and friendly, but we love Joelle, and after all the back and forth with her though out this process, consider her a friend!
Awesome job RK Mortgage Group! RK team got everything taken care of quickly and made this a smooth transaction. Thank you guys!
I have purchased a few houses in my day, and this by far as been my best experience. From the minute I applied for my bank statement only mortgage to the day I closed Joelle and Sheenaqua have gone above and beyond to make this happen. I actually closed before the date promised. They never missed a call anytime I had a question or concern. I will continue to recommend this company to everybody I know in search of a mortgage that expects a pain free, professional experience.
Lucrece was absolutely fantastic to work with! She was always available to answer my questions, and she guided me through the entire process. I will extremely recommend RK Mortgage Group to others looking to get approved for a loan.
I was lucky to find JC and RK Mortgage Group. JC was very prompt in answering my questions and obtaining the lowest rate possible for the refinancing of my townhouse. I highly recommend RK Mortgage Group for refinancing issues.
Smooth and easy to work with an extreme pleasure all around. Highly recommend!
I had a great experience with RK Mortgage. 5 stars to Joelle and Me’me for the exceptional service and attention they provided during the process. I must mention that I was very impressed with the great and prompt communication I had with Joelle and Me’me. They answered all my questions and concerns in a nick of time. They had all the needed documentation ready on time for the closing. I would definitely recommend RK Mortgage. Thanks again for a great service.
RK Mortgage Group, and Roy in particular, was amazing to work with. He worked with us to find a mortgage that fit our unique financial situation (both self employed) and was quick, efficient, and knowledgeable in the process. Additionally, Roy was solid and reassuring throughout the whole process, which was especially appreciated since we were first time home buyers. Thank you for all your hard work and dedication!
We greatly appreciate the effort and time that RK Mortgage professionals put into our loan process. They went above and beyond to help us out with the purchase of our first home. My husband and I have a very busy schedule at work but they were willing to stay after hours to help us. We really appreciate that. Great job ladies and gentlemen! Thank you again.
What a great experience! Very knowledgeable, friendly and super responsive team of professionals! From first phone call in to the CONGRATULATIONS on your new house call, Roman and his team made it all simple, understandable and just easy. Thank you RK Mortgage Group.
Working with RK team was truly a pleasure. My questions were answered quickly and professionally. I would highly recommend using RK Mortgage Group for all future loans.
I would like to thank everyone who was involved with my loan from the beginning until signing. You, guys, did a great job! Fast, efficient process with minimum efforts. I recommend RK Mortgage Group as a first choice. Thank you again!
I closed on my first home last week and not without the help of Stephanie Ventura and Me’Me Gray. From the very first conversation that I had with both of these ladies, I knew that I was in the right hands and on my way of owning my first home. They are both knowledgeable, kind, thorough, prompt, responsive, and professional. I would not have been able to do this without the hard work that these ladies have put in, especially after hours, to ensure that I could finally celebrate owning my first home. Thank you!
Joelle and team were great! They worked diligently to ensure the process was efficient and stayed in touch each step of the way. I highly recommend working with this team to get the best rate and outstanding service!
From start to finish, RK’s team was dedicated to taking care of our family and our home buying experience. We found the home we fell in love with and the deal was completed within 5 weeks. We are truly blessed to be first time homeowners!
Joelle and processor Me Me were amazing! I just closed on my first home and the process could not have been any smoother. Both ladies were knowledgeable and took time to make sure all my questions were answers regardless the time of day. I highly recommend RK Mortgage!
Special thanks to Lucrece Valentin and her team for their tireless commitment to providing a smooth seamless buying experience. Words cannot express the professionalism and care her team exhibited through the entire process.
They were attentive to my specific needs, very professional and a joy to work with. If I had to do it again I’d come right back to RK Mortgage Group!
Juan Carlos Rivera and his team we outstanding through out the entire loan process. JC is up front and honest person. Communicative, Professional, Friendly and most of all honest. It was a pleasure to work with him and his team. Would highly recommend RK Mortgage, they will be with you the whole loan process, difficult or easy loan. Thank you.
Stephanie and Me’Me were the best, everything was fast, smooth and easy. I’d recommend them to anyone.
Purchased an investment property. Andres from RK Mortgage Group and his processor, Meme, did a great job! They were efficient and helpful all the way through the process. Thanks for getting me to the finish line.
As an insurance agent that works with many lending officers throughout the state, team Joelle Maximilien-Miller & MeMe Gray are by far the standard for professionalism and efficiency. Getting to the closing table will not get easier than working with this great team.
I had the best experience of my life with RK Mortgage Group. First I want to express my deepest gratitude to Juan Carlos Riviera for his patience, courtesy and professionalism. The analysis conducted from day one for the submission of the paper were always accurate. He is a well disciplined and well-mannered and is the best representation for any mortgage company. As the CEO of a company, I would not hesitate to recommend RK Mortgage Group for their excellent performance in dealing with the clients.
From first contact to closing, Lucrece and Marcia were amazing. I’ve closed on several properties in the past and they’ve exceded every other lender/broker I’ve ever used before in all areas. Constant and accurate information and updates. Always responded to any question or request immediately. Truly a seamless transaction. I would highly recommend RK Mortgage Group and Lucrece and Marcia specifically.
Just refinanced with JC and Me’Me. JC was amazing to work with, available at all times to answer questions and always quick response back to me. Helped ease my nerves about refinancing. I also had the pleasure to work with Me’Me who is fast acting and together they make an excellent team. Overall my experience was painless and i never felt alone, pressured or cheated.
My husband and I found our dream home so I started researching and looking for mortgage companies. I found RK Mortgage on the internet, I did some research and gave them a call. I called and spoke with Juan Carlos Rivera and gave him a brief run down on our info. I started working with JC on getting the financing done, he is the most patient man on earth. He took numerous calls, emails and texts from me daily. He was always there to reassure me and keep me focused. Me’me was my loan processor and was great also. RK Mortgage is an awesome company to do business with. Thank you so much JC you are truly a blessing from above!
RK Mortgage Group, especially J C Riviera, were very professional, respectful and easy to have help us refinance our mortgage. We would recommend them with enthusiasm!
Juan Carlo Rivera, was quick, professional and courteous. He was patient and complete in answering all my questions. He always kept the fire going and the process was completed before the promised deadline. There was absolutely no surprise in the settlement. An excellent job! I’m happy. Thanks!
Roman is a top notch mortgage broker. He is professional, keeps an open line of communication, preemptively resolves issues that might come up in underwriting, and most importantly closes on time! Thanks Roman for a smooth closing.
Amazing helpful team! Thank you for your help to buy our new home! I am very grateful for your quick and professional work!
I worked with Andres at RK Mortgage. I cannot say enough good things about him! He provided EXCEPTIONAL customer service, answered my numerous questions and always kept me informed during the entire process. He also got me a great rate on my mortgage! I highly recommend RK Mortgage Group and Andres.
The definition of «Above and Beyond». This is what RK Mortgage Group is. Joelle and Me’me have been hanging there with me and my lousy builder for 16 months. They made it happen. I never expected such a good rate given my self-employed situation. Joelle and Me’me were the only positive experience in our 16 months journey building a home in Lakewood Ranch, FL. I wish them lots of clients (not like me), luck and prosperity!
Joelle and team did a great job! Through complications on the closing of my previous home and new turns and twists in the purchase of our new home, Joelle and Me’Me were there through it all to make sure things closed.
Joelle at RK Mortgage Group was fantastic to work with and made a very difficult process stress free. I had an issue with my other mortgage company that I had been working with and upon contacting RK Mortgage. Joelle was able to jump right in resolve the situation and help me close on my home. Would highly recommend them for anyone on the market looking to purchase a new home.
I’ve been a realtor for 41 years. I have worked with Joelle at RK Mortgage Group on several loans specialty loans, VA and conventional and I am never disappointed. Her and her processor do a great job for my clients. I look forward to working with them again in the future. Thanks RK Mortgage Group!
RK Mortgage Group team made my dreams of becoming a homeowner again possible. They walked me step by step through the mortgage approval process. My situation was unique and they helped me navigate through the steps all the way to the closing table. Thank you again for all of your help and support!
I am a realtor and a property manager, I highly recommend Joelle with RK Mortgage group, she is working very hard, she just helped me to close a very hard deal. Very knowledgeable and professional!
Thank you J.C. Rivera and RK Mortgage Group!
Joelle and Me’me were absolutely wonderful to work with. I had a very short time frame to close and they managed to get everything moving, especially in COVID! They were so friendly and kind to me, and I couldn’t have closed without their help!
My husband and I were in the market to purchase as first time home owners. So you can imagine, we had absolutely no idea what we were getting ourselves into, but RK Mortgage Group made the whole transaction easily digestible. Our mortgage broker Lucrece Valentin was beyond stellar, she made herself available whenever we needed, answered all of our questions, and was basically a well needed guiding light throughout this whole process. We closed today and couldn’t be any happier! I would absolutely recommend this company and Ms. Valentin 10 times over.
Lucrece and our loan processor Me’Me worked extremely hard to get our deal done. We had a very complicated and non conforming situation but they both made it work! So appreciate all their dedication and hard work.
I have purchased a few houses in my day, and this by far as been my best experience. From the minute I applied for my bank statement only mortgage to the day I closed Joelle and Me’me have gone above and beyond to make this happen. I actually closed before the date promised. They never missed a call anytime I had a question or concern. I will continue to recommend this company to everybody I know in search of a mortgage that expects a pain free, professional experience.
I usually don’t write reviews, but I had to write something about my experience with RK Mortgage Group. I was googling a mortgage company before purchasing my house and found RK Mortgage Group offering programs for self-employed borrowers. I’ve made a call. After deciding to move forward everything from start to finish was easy and fast. I’m writing this review in my new house and I’m thankful to RK Mortgage Group for this. Highly recommend this company!!
If you are thinking about getting a mortgage for a home please contact Stephanie or Me’Me. They found the right program that fit my needs. They truly were with me every step of the way in the process. Thank you again.
I’ve went through a mortgage process for a couple times for the past few years, and this was so far the most pleasant and smoothest experience. Starting from the communications, rates and processing time, everything was on the top. Highly recommend!
Lucrece worked with me through the entire process and was easy to work with. Great Job. thank you
I really appreciate everything RK team did for me to finance my mortgage. Always available. Took the time to explain everything. Great team to work with.
I had a pleasure working with RK Mortgage Group on my recent purchase of a condo in FL. I had several experiences working with brokers in the past and this one was the most effective and pleasant by far. They delivered exactly what they committed to, there were no «surprises» during the process or at the closing, they are extremely professional, delivered excellent customer service, and were able to get me the best deal and do it fast (not to mention that I was able to get everything done remotely). Roman Khodos himself is extremely knowledgeable, always accessible, responsive, and truly committed to his clients’ success. Excellent experience working with this group all around! Highly recommend them.
Great team to work with. Will definitely recommend!
It was a great pleasure to work with RK Mortgage Group from initial call to closing. Within minutes after filling the application, I received a call from Andres. He was very professional and courteous. He was quick to respond any my questions (even after standard business hours). Loan was closed on time. Thank you for getting it done!
Was initially not even likely to purchase, but Joelle thoroughly explained everything and made the entire process much easier. Extremely positive and always responsive. I couldn’t be happier with Joelle and Me’Me. Highly recommend for anyone seeking mortgage assistance. A++++
Thank you very much Eric C and your whole team for your unbelievable efforts to help me and my wife buy our first home. It was nothing about trying to get money but just helping a family in needs of a place to call home. Thank you very much
Thank you so much Joelle for your service.
This was the smoothest mortgage transaction we have ever had. Two thumbs up! We have purchased our forever home in lovely Key West Florida!
First and foremost, I would like to express how grateful I am to have had Juan Carlos Rivera as my mortgage broker. He was always accessible and always willing to answer my endless questions. At times, I became anxious about the process, but Juan Carlos did his best to put me at ease. I, wholeheartedly, recommend Juan Carlos for all your lending needs. My personal situation was complicated, but he managed to get me into my DREAM HOME. I am eternally grateful.
I went to Joelle after my other mortgage broker gave me a pre qualification, let me sign a contract and then informed me he couldn’t make it happened. I called Joelle in a panic, and she got me approved and saved my contract. She worked hard to make sure I received the lowest rate and the best deal. I would not have my new home without her.
Thanks to RK we own our lovely house! I heard nightmare stories about buying homes and loan companies but this was not one of those cases. Our mortgage process went very smoothly and we were able to close as scheduled. The whole team was very attentive and trustworthy, they guided us through the process. I am glad we have chosen RK Mortgage Group
I’m not one who provides reviews but for this company I’m really happy to do so. I have refinanced 3 times over the last few years. And it was the best experience by far! Excellent rates, no junk fees and great loan terms. RK Mortgage Group went above and beyond my expectations!
RK Mortgage Group team exceeded my expectations in every way possible!! So easy and straight forward to work with and was truly the simplest mortgage we have ever had! Highly recommend!
I recommend Joelle very highly. She is very knowledgable about the mortgage industry and the various loan products that are available, She is also very responsive and goes the extra mile for her clients. As a realtor, I have had excellent results recommending her my customers.
Juan Carlos Rivera and RK Mortgage Group was amazing during this process of obtaining a mortgage for our new home. He was always available, competent, insightful and considerate. He gave me all our options in a clear and concise manner. His knowledge was invaluable to us during this whole journey. I can’t thank him enough for everything he did. He always had our best interest at the forefront and we are so grateful he led us through the process. I surely will use his services again in the future. We highly recommend him and RK Mortgage Group!
Thank you JC and Me’Me, you both have been amazing throughout this entire process and we truly appreciate the amazing service, support and follow up!! Our family is grateful for all your help in securing our dream home!!
We just moved to the US from Thailand last year and bought a house. As a foreigner, it was not easy at all to get a refinance with reasonable interest rates. After getting tired of either being rejected by well-known lenders or getting quoted with outrageously unaffordable interest rates, we were about to give up our renovation plan to upgrade our new house. Then, I decided to give one last broker a try. RK Mortgage Group. Lucrece was very helpful and gave us hope about the refinance. She walked through all the steps with me. Every time I was confused, she was always there to help. She was reliable and always reachable one way or the other. I never felt left out throughout the process until closing. Although the whole process took longer than we anticipated due to certain complication of our case, we were very satisfied and very happy with their service. RK Mortgage was definitely the right choice for us. In the future, when it’s time to refinance our home again, we will choose RK Mortgage again.. No doubt.. as they have earned our trust! Thank you!
Thank you for making a dream come true!
As a first-time homebuyer, I never knew how to go about buying a house. My husband and I were so excited when we were pre-approved. It was a learning experience for us. RK Mortgage and the staff were very supportive of our journey. They helped us along the way. It was quite an experience with mixed feelings. In the end, Stephanie, MeMe, and the staff have contributed all their time and effort to help us realized our dream to have a house of our own. Thank so much for being on top of everything especially during the busiest time of the year. They are always there to give assistance. MeMe is so cool and she always makes us feel encouraged. Thanks guys so much. RK Mortgage Group, you’re the BEST.
I was shopping for mortgages for a while until I found RK. I worked with Lucrece and she was excellent. Helped us secure a mortgage very fast and she was available anytime we needed her. I highly recommend.
Very helpful and attentive throughout the whole process!
This was the first time I worked with Joelle. I have worked with many different lenders in the past because I’m a Realtor. I can tell you that she really did a great job during the entire process. She kept me informed and closed on time. I highly recommend Joelle and RK Mortgage Group!
Would totally recommend. Bank statement loan makes life a million times easier for self employed people. Entire process took about 30 days and I had access to my loan officers nearly 24/7.
Very professional and easy to work with. I have nothing but GREAT things to say about RK Mortgage Group. Thank you for the hard work. I am now a homeowner.
Working with RK Mortgage Group made the entire process almost stress free. They were very professional and made it a point to answer all of my questions thoroughly. They really work with you to get the best rates and to help you get into your own home. I would highly recommend this company.
Roy/Me’Me made my dreams of becoming a homeowner again possible. They walked me step by step through the mortgage approval process. My situation was unique and they helped me navigate through the steps all the way to the closing table. Thank you again for all of your help and support!
Highly professional service. Andres was fast and efficient. The entire application process handled by email and online, which was very convenient for me. Thank you all for your time and excellent customer service!
Fast and professional! Great group to work with, they helped us acquire our dream home for our family. Many thanks for their hard work. They work well after hours to help get the paperwork done! Thank you again Lucrece & MeMe!
Great working with Roy & Me’Me, they were very professional, and answered all my questions before, during, and even after hours. The process was straightforward, even though my personal situation wasn’t. I would definitely do business with RK Mortgage again! Highly recommend them!
My experience went beyond than what we expected. Ms. Meme excellent, very professional, patience of an angel. She kept us updated on everything that was happening with our loan. Ms. Meme made sure we were happy with our mortgage experience. Very easy happy close all the way!! Totally recommend her to everyone we know! We love her! RK Mortgage Rocks! Thanx for having Ms. Meme on board. Ms. Meme made our dreams of owning a home come true! We’re forever Thankful for her.
We had an unusual condo purchase that most banks would not touch. We wasted multiple months trying other mortgage companies. Once we contacted RK Mortgage Group and spoke to Joelle her experience, knowledge and professionalism put us at ease. We were able to apply, submit all our required docs and close in less than six weeks. Joelle and her processor Me Me were amazing. Me Me was tough with HOA. Until she was given the required documentation to help close the loan. Thank you RK Mortgage Group Inc. We highly recommend them to anyone purchasing a home.
I was applying for mortgages for my dream home in Florida. After a pre-approval letter was written from the initial mortgage company I was working with, they denied my loan. I was referred to Roy at RK Mortgage because I was told he specializes in investment properties for self employed people like me. He also does conventional loans. I was very apprehensive about working with another company, but Roy was confident he could get this loan to work in my favor. I should say, my credit is perfect, my finances were great, and my income is solid. But being self- employed doe have its setbacks, and for me this was one of them. Roy not only got the load approved, but I close on my house only 2 weeks after my initial conversation with Roy. When they say they work fast, they mean it. I look forward to working with them again next year for my refinance.
Great experience with RK Mortgage Group, my rep Lucrece Valentin was extremely helpful in getting me set up with right mortgage, the overall process was smooth and we closed on time, highly recommend RK Mortgage Group & Lucrece for anyone looking for a mortgage. Thanks
Thank you for the seamless experience! Quick, Professional, and Personable. Will definitely Recommend.
Joelle and her team were absolutely amazing! I could not have done this without her expertise and guidance. She is very professional and asks questions to help you make the best financial decision available. She goes above and beyond for her clients. As soon as I sent her correspondence, she responded promptly. In this day and age, customer service, I feel has become something of the past. It is nice to have someone that cares and also has your best interest at heart. I would recommend Joelle to any of my personal friends, family, and or colleagues!!
Joelle is amazing and very professional.
800 SE 4th Ave Suite 139 Hallandale Beach, FL 33009