X Justin Padron
Justin Padron

Southlake Mortgage Specialist Justin Padron

At NEO Home Loans, we exist to empower you with financial literacy and help guide your journey to financial freedom.

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*Southlake Mortgage Rates Last Updated: 02/02/2023

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Get to Know Justin Padron

NMLS#1661929

Justin Padron is a licensed Mortgage Originator serving all of Texas and Oklahoma. His goal is to educate clients and help find them a mortgage that suits their individual needs. While any lender can provide a client a mortgage and debt, Justin takes great care and time to dedicate value to his clients by providing advice, service and information short and long term, to the client before, during, and after the transaction. Justin is a respected and knowledgeable Loan Originator with Neo Home Loans. Neo Home Loans is committed to providing our clients with the highest quality financial services combined with competitive rates. Contact Justin to learn more! NEO Home Loans is a division of Celebrity Home Loans, LLC | NMLS# 227765 | Equal Housing Lender | nmlsConsumerAccess.org

Mortgage Calculators Purchase, Refinance & Affordability

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

$

5%

1%

5%

.5%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice. ***PMI is subject to factors such as PMI carrier, credit score, LTV, property type, etc.
Conventional Loans

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. View the FHA loan limits in your area.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.
FHA Loans

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

$

0%

1%

5%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

$1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.
VA Loans

Curious about refinancing your home in Southlake? Rates are historically low and now may be the right time to start saving money every month!

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%
months
$
%
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.
Refinancing

Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!

$
$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Looking to Purchase?

Purchase Guide

This guide has all the information you need to navigate the home buying process with ease.

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Mortgage services provided by - Southlake Texas

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Justin Padron's Mortgage Blog

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Justin Padron

Justin Padron

NMLS#1661929 (817) 390-2022 Start Application

We truly appreciate the opportunity to work with you on such an important financial transaction in your life and look forward to exceeding your expectations!

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