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Michael Ciresi

Loan Officer | NMLS #532665

Mortgage Network, Inc. | NMLS# 2668
1030 Plymouth Road | York, PA 17402

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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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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.
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Michael Ciresi

Loan Officer | NMLS #532665

Mortgage Network, Inc. | NMLS# 2668
1030 Plymouth Road | York, PA 17402

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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Michael brings 17 years of industry experience as a Loan Officer with Mortgage Network. He has helped over 2,000 clients with their mortgage financing throughout his career, and looks forward to continuing to help many more in the future! Michael provides exceptional service with a personal touch, guiding you through the mortgage process step by step to ensure you understand the options available to fit your individual needs. As a US Navy veteran, Michael specializes in working with his fellow military veterans and takes the utmost pride in helping veterans take part in the American Dream of home ownership. Michael considers himself truly blessed to have a career where he is able to help people achieve the goal of homeownership. In addition to his career in mortgage financing, Michael proudly served our Country in the United States Navy and was stationed at NTC Great Lakes in North Chicago and then aboard the USS Cole, DDG-67 in Norfolk, VA. Michael currently lives in York, PA with his wife Kim and their three boys. In his spare time, Michael enjoys playing a round of golf, Barbecuing, and spending time with his 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 sales consultant.

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Michael Ciresi

Loan Officer | NMLS #532665

Mortgage Network, Inc. | NMLS# 2668
1030 Plymouth Road | York, PA 17402

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Michael Ciresi

Loan Officer | NMLS #532665

Mortgage Network, Inc. | NMLS# 2668
1030 Plymouth Road | York, PA 17402

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Michael Ciresi
<b>Mortgage Network, Inc. | NMLS# 2668</b> 1030 Plymouth Road | York, PA 17402

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