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Manuel "Manny" Pina

Mortgage Loan Consultant

MLC NMLS #1650493/ Bank 34 NMLS #402600

500 E. 10th Street | Alamogordo, NM 88310

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Historical Primary Mortgage Market Survey® data provided by Freddie Mac
Important Disclosure


Freddie Mac PMMS® data is provided "as is," with no warranties of any kind, express or implied, including, but not limited to, warranties of accuracy or implied warranties of merchantability or fitness for a particular purpose. Not all borrowers will qualify. Use of the data is at the user's sole risk. This chart is for illustrative purposes only. This is not a commitment to lend. Not all borrowers will qualify. These are the current national mortgage rates on popular loan products. Rates shown are not available in all states or to all borrowers.
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Mortgage Calculator

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This is not a commitment to lend. Not all borrowers will qualify. This is for illustrative purposes only and estimates are based on information you provided. Interest rates, mortgage insurance rates, and programs are subject to credit approval and available rates and terms will vary, sometimes drastically, based on borrower eligibility and program selected. For accurate interest rates and mortgage insurance rates please contact your sales consultant. For illustrative purposes FHA/VA and USDA loan amounts will include an estimate for the financed upfront MI amount.

Refinance Calculator

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This is not a commitment to lend. Not all borrowers will qualify. This is for illustrative purposes only and estimates are based on information you provided. Interest rates, mortgage insurance rates, and programs are subject to credit approval and available rates and terms will vary, sometimes drastically, based on borrower eligibility and program selected. For accurate interest rates and mortgage insurance rates please contact your sales consultant. For illustrative purposes FHA/VA and USDA loan amounts will include an estimate for the financed upfront MI amount.

Affordability Calculator

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This is not a commitment to lend. Not all borrowers will qualify. This is for illustrative purposes only and estimates are based on information you provided. Interest rates, mortgage insurance rates, and programs are subject to credit approval and available rates and terms will vary, sometimes drastically, based on borrower eligibility and program selected. For accurate interest rates and mortgage insurance rates please contact your sales consultant. For illustrative purposes FHA/VA and USDA loan amounts will include an estimate for the financed upfront MI amount.
Ios288 sqobqoksiebmfdz6brxa
Manuel "Manny" Pina

Mortgage Loan Consultant

MLC NMLS #1650493/ Bank 34 NMLS #402600

500 E. 10th Street | Alamogordo, NM 88310

Calculator Results

You can afford $300,000

Your Monthly Payment: $667/month
Total Loan Amount: $240,000
Estimated insurance needed:$667/month
MI rates provided by Logomgictrans12

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Rates Disclosure

Interest rates and APRs are based on current market rates, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score and other variables - call for details. This is not a credit decision or a commitment to lend.  Mortgage insurance may be required. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. Additional loan programs may be available. APR (annual percentage rate) reflects the effective cost of your loan on a yearly basis, taking into account such items as interest, most closing costs, discount points (also referred to as "points"), and loan-origination fees. One point is 1% of the mortgage amount (e.g., $1,000 on a $100,000 loan). Your monthly payment is not based on APR, but instead on the interest rate on your Note. Adjustable Rate Mortgage (ARM) rates assume no increase in the financial index after the initial fixed period. ARM rates and monthly payments are subject to increase after the fixed period.

Rates and APRs also assume owner occupied Single family residences with an 80 loan-to-value (20% Down payment).  Discount point have varied and can be found on www.freddiemac.com.  These mortgage averages are for loans in 1st Lien Position.  The historical Freddie Mac PMMS® data is provided "as is," with no warranties of any kind, express or implied, including, but not limited to, warranties of accuracy or implied warranties of merchantability or fitness for a particular purpose. Use of the data is at the user's sole risk. In no event will the advertiser on this app or Freddie Mac be liable for any damages arising out of or related to the data, including, but not limited to direct, indirect, incidental, special, consequential, or punitive damages, whether under a contract, tort, or any other theory of liability, even if Freddie Mac is aware of the possibility of such damages.

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Manuel "Manny" Pina has been in the banking industry for eight years. From starting as a teller, to becoming a personal banker, to leading and managing the client service department, Manny has learned how to help people with some of the most important decisions in their life. Manny joined the mortgage business two years ago and brought over the experience, knowledge, and professionalism he learned from his banking career. Manny's enthusiasm and hard work will benefit you by helping reduce the anxiety and stress that is often associated with the purchase of real estate. Manny has always worked on a past client and referral basis helping him focus on you and provide the service that is increasingly lost in the lending world today. Manny truly believes that “customer satisfaction is good, but customer loyalty is better”. Manny is born and raised in Alamogordo, NM- The friendliest place on earth. Manny is married and the proud father of two boys.
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You are going to a 3rd party website and there is NO WARRANTY, expressed or implied, for the accuracy of this information or its applicability to your financial situation. Please consult your sales consultant.

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Ios288 sqobqoksiebmfdz6brxa
Manuel "Manny" Pina

Mortgage Loan Consultant

MLC NMLS #1650493/ Bank 34 NMLS #402600

500 E. 10th Street | Alamogordo, NM 88310

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Manuel "Manny" Pina
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