Mortgage Los Angeles California

Your loan expert (866) 408-2326

Call us (310) 356-6500

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Lock Period:	15 30 45 60
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affordability calculator


	Use the calculator below to give you an idea of how much of a mortgage you can afford. However, it is meant to be a guideline, not a rule. We have many programs available that can maximize the amount of a home you can afford.


	Desired mortgage amount:


	Mortgage length (in years)


	Interest %


	Annual property tax


	Total monthly payments not including mortgage (car, loans, credit cards, etc).


	Summary


	Monthly Principal + Interest


	Total Monthly Obligations


	Required Salary

Listed below are the basic guidelines of how our industry determines how much of a mortgage payment you qualify for.

1.	Your gross (before taxes) monthly salary should be greater than 28% of the sum of the monthly mortgage and monthly tax payments.

2.	Your gross (before taxes) monthly salary should be greater than 36% of the sum of the monthly mortgage, monthly tax and other monthly debt payments.

Loan Calculators are tools designed to help you. However, we can help you know exactly what you qualify for.

Today's Lowest Rates

7/30/2010

Loan Program	Rate	APR
30 Yr Fixed to $417k	4.000	4.258
15 Yr Fixed to $417k	3.750	3.848
5/1 ARM to $417k	3.000	3.250
30 Yr Fixed ConJumbo	4.250	4.445
15 Yr Fixed ConJumbo	4.000	4.141

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testimonials

“I was extremely pleased with the service and mortgage from HBS FINANCE. I checked out many lenders and found HBS FINANCE had the lowest rates and costs. They were upfront and honest with the information provided. Without hesitation, I would recommend my friends and families who are looking for a new mortgage or refinancing.”

Thomas J.

"As a first time home buyer, we were very nervous and had a lot of questions about loan process and home buying in general. They took the time to explain how the entire process worked and made us feel confident in our decision to purchase a home. If you are looking for someone who will guide you through the process and deliver on a promise then, HBS FINANCE is who you should call.”

Chris & Laura K.

“This was our second time doing business with HBS FINANCE. After applying online we were promptly contacted by one of the loan experts. From there, we discussed all of the different options we could consider. HBS FINANCE delivered the most competitive rate and closing costs. We would like to express our sincere appreciation for all efforts. We will refer HBS FINANCE to anyone we hear talking about refinancing or getting a new mortgage loan.”

Edward & Angelina T.

HBS Finance

3812 Sepulveda Blvd Suite 310

Torrance, CA 90505

Phone: 310-356-6500

Fax: 310-424-2979

CA DRE License ID: 01860110
Nationwide Mortgage Licensing System ID: 238130