Home Loan Options
Explore our range of loan options designed to get you the best deal fast.
At New Age Lending, we offer access to broker pricing and streamlined processes, ensuring you secure the best rates and terms quickly and without the hassle. Ready to find the perfect loan for your needs? Let’s dive in.
Conventional Calculator
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Estimate the monthly payment for a fixed-rate conventional mortgage. Enter the purchase price, down payment, and interest rate to see principal and interest, taxes, insurance, and PMI when the down payment is less than 20 percent.
Calculator inputs
Estimated payment
PMI estimate assumes a single rate; actual PMI varies by credit score, LTV, and lender. Interest rate shown is not APR and may be lower than the APR you would actually pay. Estimates are illustrative only and not a commitment to lend.
NMLS# 649443
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Year-by-year amortization schedule showing principal paid, interest paid, and remaining balance Year Principal Interest Balance
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FHA Calculator
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Estimate the monthly payment on an FHA loan. The calculator includes the 1.75 percent upfront mortgage insurance premium and the annual MIP that applies for the life of most FHA loans.
Calculator inputs
Estimated payment
FHA MIP rates and upfront fees are based on the latest published HUD tables and may change. Interest rate shown is not APR and may be lower than the APR you would actually pay. Estimates are illustrative only and not a commitment to lend.
NMLS# 649443
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Year-by-year amortization schedule showing principal paid, interest paid, and remaining balance Year Principal Interest Balance
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VA Calculator
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Estimate the monthly payment on a VA loan for eligible veterans, active-duty service members, and surviving spouses. The calculator factors in the VA funding fee, which varies by down payment and whether this is a first or later use. Reserves and National Guard members pay the same fee as regular service members.
Calculator inputs
Estimated payment
VA funding fee shown is based on the published VA fee table and is financed unless you select the exemption. Confirm exemption eligibility with your lender; receiving service-connected disability compensation and certain other circumstances may qualify. Interest rate shown is not APR and may be lower than the APR you would actually pay. Estimates are illustrative only and not a commitment to lend.
NMLS# 649443
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Year-by-year amortization schedule showing principal paid, interest paid, and remaining balance Year Principal Interest Balance
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USDA Calculator
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Estimate the monthly payment on a USDA Rural Development loan. The calculator includes the 1 percent upfront guarantee fee and the 0.35 percent annual fee, and supports zero down for eligible properties.
Calculator inputs
Estimated payment
USDA Rural Development loans require an eligible property and household income. Uses FY2027 rates: a 1.0% upfront guarantee fee, fully financed and calculated on the total loan including the fee, and a 0.35% annual fee. The monthly annual-fee estimate uses the first year's average scheduled unpaid balance; it declines in later years. Interest rate shown is not APR. Estimates are illustrative only and not a commitment to lend.
NMLS# 649443
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Year-by-year amortization schedule showing principal paid, interest paid, and remaining balance Year Principal Interest Balance
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Check your inbox. Your personalized mortgage report is on its way. Your browser has started downloading a PDF copy.
Jumbo Calculator
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Estimate the monthly payment on a jumbo loan, used for purchase prices above the conforming loan limit. Defaults are tuned for typical high-balance scenarios.
Calculator inputs
Estimated payment
Jumbo loans exceed the conforming loan limit and typically require stronger credit, higher reserves, and 20%+ down. Interest rate shown is not APR and may be lower than the APR you would actually pay. Estimates are illustrative only and not a commitment to lend.
NMLS# 649443
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Year-by-year amortization schedule showing principal paid, interest paid, and remaining balance Year Principal Interest Balance
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Check your inbox. Your personalized mortgage report is on its way. Your browser has started downloading a PDF copy.
Investment Property Calculator
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Estimate the monthly payment on an investment property. Lenders typically require larger down payments and charge slightly higher rates on non-owner-occupied loans.
Calculator inputs
Estimated payment
Investment property loans typically require 20-25% down and carry interest rates 0.5% to 1% higher than primary residence loans. Rental income is often required to meet DTI guidelines. Interest rate shown is not APR. Estimates are illustrative only and not a commitment to lend.
NMLS# 649443
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Year-by-year amortization schedule showing principal paid, interest paid, and remaining balance Year Principal Interest Balance
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Check your inbox. Your personalized mortgage report is on its way. Your browser has started downloading a PDF copy.
Second Home Calculator
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Estimate the monthly payment on a second home or vacation property. Uses conventional underwriting with second-home tuned defaults.
Calculator inputs
Estimated payment
Second home loans typically require 10% to 25% down and carry rates slightly higher than primary residence loans. The property must be occupied by the borrower part of the year and may not be rented out full-time. Interest rate shown is not APR. Estimates are illustrative only and not a commitment to lend.
NMLS# 649443
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Year-by-year amortization schedule showing principal paid, interest paid, and remaining balance Year Principal Interest Balance
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Check your inbox. Your personalized mortgage report is on its way. Your browser has started downloading a PDF copy.
DSCR Calculator
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Check whether an investment property's income covers its mortgage. The calculator finds the Debt Service Coverage Ratio (net operating income divided by the loan payment), flags whether it clears your lender's minimum, and shows the largest loan the income can support.
Calculator inputs
Estimated payment
DSCR guidelines vary by lender and program; a ratio at or above the target does not guarantee approval. Net operating income excludes mortgage principal and interest. Interest rate shown is not APR. Estimates are illustrative only and not a commitment to lend.
NMLS# 649443
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Refinance Calculator
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Compare your current mortgage against a new loan to see if refinancing makes sense. The calculator shows monthly savings, the break-even month, and total interest savings over the life of the new loan.
Calculator inputs
Current Loan
New Loan
Estimated payment
Refinance comparison uses the rates and fees you enter. Actual savings depend on closing costs, escrow handling, and the rate you are quoted. Interest rates shown are not APR. Estimates are illustrative only and not a commitment to lend.
NMLS# 649443
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Affordability Calculator
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Find out how much house you can afford based on your income, monthly debts, taxes, insurance, and down payment. Uses the standard 28 percent housing and 36 percent total-debt ratios.
Calculator inputs
Estimated payment
Affordability estimates use 28/36 DTI guidelines and an illustrative 0.5% annual PMI rate when the down payment is below 20%. Actual PMI and qualification criteria vary by lender. The payment and DTI reflect the estimated loan, taxes, insurance, and PMI; HOA and closing costs are excluded. Interest rate shown is not APR. Estimates are illustrative only and not a commitment to lend.
NMLS# 649443
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Rent vs. Own Calculator
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See whether buying or renting builds more wealth over the years you plan to stay. The calculator compares the full cost of owning (payment, taxes, insurance, upkeep, and selling costs) against renting with the down payment invested, then finds the break-even year where buying pulls ahead.
Calculator inputs
Estimated payment
Results depend on assumed appreciation, rent growth, and investment return, none of which are guaranteed. Assumes 2% buying closing costs, 6% selling costs, a fixed-rate loan, and taxes, homeowners insurance, upkeep, HOA and rent rising at the rent increase rate. PMI uses the entered annual rate on original principal for down payments below 20%, ending at scheduled 78% of original home value or the month after the loan midpoint, whichever comes first, with payments current. Actual PMI terms vary; enter 0 for a loan without monthly PMI. Estimates are illustrative only and not financial advice.
NMLS# 649443
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Home Loan
Whether you’re a first-time buyer or upgrading to your next home, our home loan options are tailored to meet your financial goals. With competitive rates and a quick approval process, we get you in your new home faster.
Refinances & Reverse Mortgages
Refinance your existing mortgage to lower your rate, reduce your payments, or cash out your home’s equity. Considering retirement options? Our reverse mortgages provide a flexible way to leverage your home’s value. No fuss, just results.
VA & USDA Loans
Veterans and rural homebuyers, we’ve got you covered. Take advantage of zero down payment options and exceptional rates designed to make homeownership accessible. At New Age Lending, we’re committed to helping you achieve your goals with specialized loan programs.
Specialty Home Loans
From jumbo loans for high-value properties to specialized products for unique needs, our specialty loan options give you the flexibility and terms you deserve. Access broker pricing and let us guide you to the best fit for your situation.
Frequently Asked Questions
What sets New Age Lending apart?
Our access to broker pricing means you get the best rates and terms available—period. We’re about results, not red tape.
How quickly can I get approved?
We move fast, ensuring you can move forward without delays.
How do I know which loan is right for me?
We provide personalized advice tailored to your financial goals. Contact us, and we’ll help you navigate your options.