Mortgage Calculator
Explore payment estimates and refinance comparisons.
Open Resource →For Real Estate Professionals
Realtor Resource Center
Practical tools for you and your buyers, with personal support when you need it. Serving Ohio and Northern Kentucky.
All six resources are open access. No login, email address, or form submission is required.
Tools for Your Business
Start with what you need.
Pre-Approval Checklist
Help buyers prepare for their first financing conversation.
Open Resource →Loan Program Guide
Understand the financing paths currently described on our site.
Open Resource →Open House Resources
Use a practical preparation checklist and buyer conversation prompts.
Open Resource →Mortgage FAQs
Plain-language answers to common buyer questions.
Open Resource →Realtor Education
Short lessons to support informed buyer conversations.
Open Resource →Mortgage Calculator
Start with an estimate.
Payment Calculator
Explore an estimated monthly payment.
Adjust the figures to see how a home price, down payment, illustrative rate, taxes and insurance may shape an estimated payment.
Refinance Calculator
Compare two principal-and-interest payments.
Use illustrative figures to explore possible monthly savings and a simple closing-cost break-even period.
These calculators provide estimates for educational purposes only and do not constitute a loan offer, approval, rate quote or commitment to lend. Actual payments, rates, taxes, insurance, mortgage insurance, HOA fees, closing costs and qualification requirements may vary. Contact Derek Ybarra, Mortgage Loan Originator, NMLS #1164250, for a personalized review. Mortgage origination activities are conducted through NEXA Mortgage, LLC, NMLS #1660690, d/b/a NEXA Lending.
Pre-Approval Checklist
Help your buyer prepare.
This starting checklist helps organize a conversation. Derek will confirm the documents needed for the buyer’s circumstances and selected program.
- Discuss the intended property use, location, buying timeline, and comfortable monthly payment.
- Be ready to discuss employment and income history, existing debts, and available funds.
- Gather identification, recent pay records, tax documents if requested, and asset statements for the approved secure application process.
- If applicable, ask about documenting self-employment, gift funds, or proceeds from a home sale.
- Discuss financing before making major credit purchases or changing employment during the transaction.
Keep documents secure: Do not send financial documents through the forms below. Use Derek’s approved application process.
Get Pre-Approved →Loan Program Guide
Match the conversation to the goal.
- Purchase financing
- Discuss the buyer’s goals, property, timeline, and financing eligibility.
- Refinance
- Review the reason for refinancing alongside costs, payment changes, and the expected time in the home.
- Investor / Fix-and-Flip
- Discuss investment or renovation plans with Derek to explore available lender options and project requirements.
- Additional financing options
- Ask Derek which currently available programs may fit the borrower and property.
Programs and terms depend on lender availability, borrower eligibility, credit review, property approval, and applicable guidelines. Not all applicants qualify.
View Loan Programs →Open House Resources
Prepare for useful buyer conversations.
Before the open house
- Have the listing details, property taxes, HOA information, and known recurring property costs available.
- Share the mortgage calculator and pre-approval checklist with interested buyers.
- Keep Derek’s contact information available for financing questions.
- Ask Derek to review any financing or payment information before placing it in marketing materials.
Conversation prompts
- Have you spoken with a mortgage professional about your financing options?
- What timeline are you considering for your move?
- Would you like Derek’s contact information for a financing conversation?
Let buyers contact Derek directly. Do not enter another person’s financial information or contact details into these forms.
Mortgage FAQs
Clear answers for the next conversation.
Is pre-approval a final loan approval?
No. Final approval depends on underwriting, verification, the property, and applicable conditions. Ask Derek what has been reviewed and what remains outstanding.
Does a calculator show the final payment?
No. It is an educational estimate. Actual rates, taxes, insurance, mortgage insurance, HOA costs, and other charges may differ.
How much does a buyer need for a down payment?
Requirements depend on the borrower, property, and available program. Derek can review the buyer’s situation and explain applicable requirements.
Can a Realtor request a buyer update?
Contact Derek to coordinate communication. Borrower information is shared only as authorized and appropriate.
Where should buyers send documents?
Through the approved secure application process or another secure method Derek provides, rather than a general website inquiry form.
Realtor Education
Three conversations worth having early.
1. Payment versus purchase price
A price range alone does not explain affordability. Encourage buyers to consider the complete monthly housing cost and speak with Derek about their goals.
2. Offer readiness
Before writing an offer, coordinate the buyer’s pre-approval status, financing timeline, and any outstanding requirements. Financing and closing dates should be confirmed for the specific transaction.
3. From contract to closing
Agree on communication expectations, watch transaction deadlines, and direct financing questions to Derek. Encourage buyers to respond promptly to secure documentation requests.
Educational resources are not continuing-education courses and do not award CE credit.
Discuss a Buyer Education Session →Optional Personal Support
Connect when you’re ready.
These forms are optional and do not affect access to any resource. Submit your own contact details only. A request does not create a loan application, approval, or scheduled appointment.
Buyer Financing Consultation
For buyers seeking guidance, or agents requesting a general financing conversation without sharing buyer details.
Realtor Partnership Inquiry
Introduce yourself, discuss collaboration, or ask about buyer education.