The rate sheet in your hands.
Mortgage rates, terms, closing costs and options for your specific situation.
You choose the rate and the terms that work best for you.
It takes about a minute.
No need to talk to anyone until you're ready.
(843) 765-0000
solverya.com
prepared October 19, 2026
Welcome!
Explore your options
Choose one to get started
Get approved before you start shopping for a home.
Whether it’s your first home, your next home, or an investment property, I’m here to help you understand your options and what you can afford.
- These are live market interest rates — and an estimate, not a commitment to lend.
- Your rate isn’t locked yet. It locks once you’ve sent us the information we need to underwrite your loan and you choose to lock — until then, pricing moves with the market daily, sometimes a few times a day.
- Final numbers depend on the full picture: your actual credit score, your debt-to-income ratio, the final purchase price or payoff amount, and the property itself — taxes, association dues, any special assessments, and homeowners insurance.
- Everything quoted here is built from the numbers you entered — the quote reflects those, not a fixed assumption.
- We assume standard values only for what we didn’t ask: debts within guidelines, U.S. citizenship, standard reserves; conventional mortgage insurance included when it applies; the FHA, VA, or USDA upfront fee financed.
- It’s the most honest estimate we can give without your full file — your Loan Estimate is the official figure.
- APR is estimated, carried from the pricing engine as shown; the Loan Estimate controls.
- Not everyone will qualify — we hope you will.
Educational, not a Loan Estimate or an approval. Take a look at the math and see if it feels like your move — when you're ready, we take the next step together.
This live tool currently prices common purchase and refinance scenarios. Looking for a HELOC, second mortgage, bank-statement, DSCR, or another specialized program? We may have access even when the widget cannot price it yet. Call us and we'll help you sort through it.
Principal and interest only — leave taxes and insurance out. Give it and every option shows what you save.
Pull your rates above and all five options land here automatically.
Enter your loan amount and at least one rate to see the comparison.
What you'll bring to closing
The costs behind every option — attorney, title, recording, escrows — moving live based on the option that you've selected.
Add the best figures you have for insurance, property taxes, and association dues. We use them for your complete monthly payment and closing estimate. Your escrow choice above is already reflected in your pricing.
Leave taxes blank and we estimate them from your scenario — no need to look them up. These monthly figures carry into your debt ratio and your readiness report, so you only give them once.
Enter your loan amount above and your closing costs build from the same numbers as your rate options.
Closing costs — every number traces to a source document. Educational — your loan officer and closing attorney confirm exact figures.
- These are live market interest rates — and an estimate, not a commitment to lend.
- Your rate isn’t locked yet. It locks once you’ve sent us the information we need to underwrite your loan and you choose to lock — until then, pricing moves with the market daily, sometimes a few times a day.
- Final numbers depend on the full picture: your actual credit score, your debt-to-income ratio, the final purchase price or payoff amount, and the property itself — taxes, association dues, any special assessments, and homeowners insurance.
- Everything quoted here is built from the numbers you entered — the quote reflects those, not a fixed assumption.
- We assume standard values only for what we didn’t ask: debts within guidelines, U.S. citizenship, standard reserves; conventional mortgage insurance included when it applies; the FHA, VA, or USDA upfront fee financed.
- It’s the most honest estimate we can give without your full file — your Loan Estimate is the official figure.
- APR is estimated, carried from the pricing engine as shown; the Loan Estimate controls.
- Not everyone will qualify — we hope you will.
Educational, not a Loan Estimate or an approval. Take a look at the math and see if it feels like your move — when you're ready, we take the next step together.
Explore your options. Take your time.
Choose the rate and the options that work best for you. When you’re ready to move forward, select the Apply button.
The application walks you through questions that help build a personalized document checklist, so you know what to gather for underwriting. Whether I help you with your mortgage or you use another lender or bank, these tools are here to help you prepare and compare your rate options.
Ask Vera a question or explore the optional calculators if they’re useful to you.
Hi, I’m Jeff. I’m here to help.
I’ve been helping clients with their personal mortgages since 1996. Whether you’re just getting started or already have a home in mind, I’m here to help you understand your payment and your options, answer your questions, and explain what to expect along the way.
Take a look around and explore your rate options. When you’re ready, please give me a call. I’m happy to help and look forward to speaking with you.
Jeff Moran
NMLS #483943
Bluffton, South Carolina Branch NMLS #2812645
Licensed in
Alabama · Alaska · Arkansas · California · Georgia · Illinois · Kansas · Louisiana
Maine · Minnesota · Missouri · South Carolina · South Dakota · Wisconsin · Wyoming
Clear numbers. Personal help.
With access to more than 70 lenders, I’ll help you compare payments, upfront costs, and longer-term tradeoffs. If you need a HELOC, investment-property financing, or an option for self-employed income, call me and we’ll talk it through.
Getting ready to shop? I can review your credit and supporting financial information and provide a preapproval letter when your file supports it. Final approval remains subject to the property and underwriting. See how to prepare for your letter.
My fee is shown clearly. On a $400,000 loan, it’s $3,400, paid once at closing and shown on your quote. Other closing charges belong to third parties.