Analyzing listing…
○ Detecting listing source
○ Extracting property data
○ Preparing your inputs
Purchase Strategy Engine

Your home. Your money.
See every option in seconds.

Paste any listing and instantly compare personalized financing strategies — built by a Philadelphia loan officer who picks up the phone.

or
Enter property details manually
NMLS# 194905 Licensed PA · NJ 30+ Wholesale Lenders Educational Tool
Step 1

Property Details

Every field drives your estimated scenarios.

Property Information
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Step 2

About You

Help us tailor the right scenarios.

1First-time homebuyer?
2Property use?
3Estimated credit score
4Down payment
5What matters most?
Strategy Recommendation
Your top picks based on what you told us
Estimated Scenarios

Your Personalized Options

All figures are educational estimates. Not a commitment to lend.

Fine-Tune

Adjust & Recalculate

All cards update instantly as you type.

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Changes recalculate all scenario cards in real time.
Refinance Strategy Engine

Should you refinance?
Know in 60 seconds.

Enter your current loan details and see exactly how much you could save — month by month, year by year.

Your Loan Details

Current & Proposed Terms

Fill in what you know — we handle the rest.

Current Loan
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No MI on current loan
New Loan
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6.500%
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Yes — MI removed on refi
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Payment Comparison

Current vs. New

Current Payment
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—% · —-yr
Principal & Interest—
Taxes—
Insurance—
Mortgage Insurance—
New Estimated Payment
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—% · —-yr fixed
Principal & Interest—
Taxes—
Insurance—
Mortgage Insurance—
Monthly Savings
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every month
Annual Savings
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per year
Lifetime Interest Saved
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vs. current loan
Break-Even
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months to recoup closing costs
Discount Points Analysis
Buy down your rate
No points
Your Loan Officer
Chuck Donal
Business Developer · Philadelphia Mortgage Company

This tool is a starting point. For your actual rate, a real Loan Estimate, and a strategy built around your full financial picture — reach out directly. Chuck typically responds within the hour.

NMLS
#194905
Licensed In
PA · NJ
Wholesale Access
30+ Lenders
Company NMLS
#1794507
(215) 964-4475 cdonal@phlmortgage.com phlmortgage.com/cdonal
Chuck Donal — Business Developer, Philadelphia Mortgage
Mortgage 101

Know Your Options

Clear answers — no jargon.

🏠What is an FHA loan?
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FHA loans allow down payments as low as 3.5% with flexible credit requirements. Mortgage insurance is required for the life of the loan — but it makes homeownership accessible sooner.

🏦Conventional vs. FHA?
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Conventional loans aren't government-backed. With 20% down, PMI is eliminated entirely. With less, PMI can be cancelled once you hit 20% equity — an advantage FHA doesn't offer.

📉What is a 2-1 Buydown?
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A 2-1 buydown temporarily lowers your rate — 2% in Year 1, 1% in Year 2, then the full rate from Year 3 on. Often seller-funded, it eases you into your new payment.

💰What's in cash to close?
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Down payment + closing costs (lender, title, appraisal) + prepaid escrows. Seller and lender credits directly reduce this amount. Negotiating concessions can save thousands at closing.

🔁When does refinancing make sense?
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Refinancing makes sense when you can lower your rate enough to recoup closing costs before you move or pay off the loan. The break-even analysis above tells you exactly when.

📊What are discount points?
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Each point costs 1% of the loan amount and typically reduces your rate by 0.25–0.375%. Worth it if you stay long enough for the monthly savings to exceed the upfront cost.

Ready for Your Real Numbers?

Talk to Chuck.
Get a real Loan Estimate.

This tool is for planning. For a real pre-approval, rate lock, or personalized strategy — connect directly.

Apply Now Text Chuck Call (215) 964-4475
NMLS# 194905PA · NJ30+ Wholesale LendersEqual Housing Opportunity

Educational mortgage payment estimates only. Rates, taxes, insurance, mortgage insurance, closing costs, and program availability may vary. Not a loan approval, pre-approval, or credit decision. Final terms are subject to credit approval, property appraisal, and loan program requirements. Philadelphia Mortgage Company, Inc. NMLS# 1794507. Equal Housing Opportunity.