Mortgage strategy + Virginia real estate

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Compare loan options, explore a comfortable payment, and get guidance from Yves LaMarre—a mortgage professional with more than 30 years of experience and a licensed Virginia Realtor.

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Compare the payment—not just the rate.

Change the assumptions and see how down payment, mortgage insurance, taxes, and fees can affect the monthly picture.

Home priceAnnual property taxAnnual insuranceMonthly HOA

Conventional

Down %Rate %Annual MI %

Estimated monthly payment$2,646Principal, interest, taxes, insurance, MI & HOA

Est. loan: $332,500
Down payment: $17,500
Principal & interest: $2,102
Mortgage insurance: $152

Flexible down payment; mortgage insurance may eventually be removable.

FHA

Down %Rate %Annual MI %

Estimated monthly payment$2,665Principal, interest, taxes, insurance, MI & HOA

Est. loan: $343,661
Down payment: $12,250
Principal & interest: $2,116
Mortgage insurance: $158

Lower down payment and flexible guidelines; upfront and annual mortgage insurance may apply.

USDA

Down %Rate %Annual MI %

Estimated monthly payment$2,671Principal, interest, taxes, insurance, MI & HOA

Est. loan: $353,500
Down payment: $0
Principal & interest: $2,177
Mortgage insurance: $103

Eligible rural areas and income limits; guarantee fees may apply.

Planning estimates only. The default rates and fees are illustrative—not an advertisement or rate quote. Actual eligibility, cash to close, mortgage insurance, taxes, insurance, fees, and payments vary. DTI limits and program rules are lender- and borrower-specific.

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