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Heath Hall

Regional Manager

NMLS # 148112

1st Financial, Inc. 3000 Gulf to Bay Blvd. Suite 401 Clearwater, FL. 33759
NMLS# 148112

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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.

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.

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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Heath B. Hall is a Regional Manager with 1st Financial, Inc., after spending nearly 25 years working in the mortgage and financial industry. Heath knows what truly drives the financial market-and has mastered the tools of lending to his clients. Heath thrives off helping clients achieve the American dream of home ownership and securing financial future for their families. Heath has landed coverage around the world, in cluding Comcast Sports Net and CNN. His own articles have been fratured in Forbes. In addition to his extensive PR and marketing experience, Heath is a trained mortgage and financial coach. Heath studied business and finance from Towson State University in the state of Maryland. Heath is a married man of 12 years and a father of 4 children. Heath has been living in Clearwater, Florida for the last 7 years. Heath plans on growing his new branch here in Clearwater, Florida. His biggest goal is to reach out and touch as many lives as possible in his community. Heath is excited to help YOU AND YOUR FAMILY!
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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 mortgage consultant.

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Heath Hall

Regional Manager

NMLS # 148112

1st Financial, Inc. 3000 Gulf to Bay Blvd. Suite 401 Clearwater, FL. 33759
NMLS# 148112

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Ios288 ebtr8tprqzwwmgragg88
Heath Hall

Regional Manager

NMLS # 148112

1st Financial, Inc. 3000 Gulf to Bay Blvd. Suite 401 Clearwater, FL. 33759
NMLS# 148112

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