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Mortgage Calculator
Use this calculator to estimate your monthly mortgage payment, including principal, interest, property taxes, and insurance. It only takes a few seconds.
Current Interest Rates
Why pre-underwriting beats pre-approval
A pre-approval letter is based on what you tell a lender. Pre-underwriting means Dan's team verifies your income, assets, and credit before you ever make an offer. Sellers and agents take a pre-underwritten buyer seriously, because there's no financing surprise waiting to blow up the deal. Ready to see what you actually qualify for? Apply with Dan and get started.
Buying in Snohomish, King, or Skagit County
Dan works with buyers across Everett, Marysville, Mill Creek, and the greater Seattle area. Local property tax rates and insurance costs vary by county, so use the advanced fields above to plug in numbers specific to the home you're looking at.
FAQ's
Q: How accurate is this mortgage calculator?
A: It gives a close estimate based on the numbers you enter. Your actual payment depends on your final rate, loan program, and underwriting, which is why getting pre-underwritten before you shop matters.
Q: What's included in my monthly mortgage payment?
A: Principal, interest, property taxes, homeowner's insurance, HOA dues if applicable, and mortgage insurance if your down payment is under 20%.
Q: Do I need mortgage insurance?
A: If your down payment is below 20% of the home price, most conventional loans require it. It usually goes away once you build enough equity.
Q: What's the difference between pre-approval and pre-underwriting?
A: Pre-approval is based on what you report to a lender. Pre-underwriting means your income, assets, and credit are verified in advance, so your offer carries real weight with sellers.
Q: How much house can I afford in Snohomish or King County?
A: It depends on your income, debts, down payment, and local property tax rates. Run your numbers in the calculator above, then talk to Dan for a full picture based on current guidelines.