RESOURCES

Tools to make

smarter decisions

Run the numbers, read the guides, and get your questions answered. Then apply. Everything here is built to help you move forward with confidence.

CALCULATORS

Run the numbers

before you commit.

Mortgage Payment Calculator
Estimate your monthly payment
$
%
$
%
$
$
Your Estimated Monthly Payment
Total Monthly (PITI)
$2,894
Principal + Interest + Taxes + Insurance
P&I
$2,395
Property Tax
$500
Insurance
$150
PMI
$0
Loan Amount
$405,000
Total Interest Paid
$457,804
Principal & Interest82.8%
Tax + Insurance17.2%
Estimated only. PMI applies when down payment is below 20%. Does not include HOA fees or flood insurance. Not a commitment to lend.
Refinance Analyzer
Enter your current loan and new terms
Your Current Loan
$
%
Your New Refinance Terms
%
$
Refinance Analysis
Your closing costs pay for themselves in 10 months. After that, every month is pure savings.
New Monthly Payment
$5,447
You save $597 per month vs. your current payment
Current Payment
$6,043
Monthly Savings
$597
Annual Savings
$7,160
Rate Reduction
1.0%
Total Interest Saved
$214,202
Total Payment Saved
$160,424
Current vs New Loan — Total Interest
Current loan interest$1,278,572
New loan interest$1,064,370
Total Lifetime Savings (vs. Current Loan)
$888,629
You pay off your loan 6 years early
Same Monthly Payment
$6,043
Extra to Principal
$597
Loan Paid Off In
23.2 yrs
Years Saved
6.8 yrs
Interest Without Refi
$1,278,572
Interest With Accel. Refi
$783,322
Current loan payoff30 years
Accelerated payoff23.2 years
Estimates based on inputs provided. Actual results vary based on final loan terms, appraisal, and lender guidelines. Not a commitment to lend.
What is the Accelerated Refinance?
When you refinance to a lower rate, your required monthly payment drops. The Accelerated Refinance strategy takes the money you just freed up — your monthly savings — and applies it directly toward your loan's principal every month instead of spending it elsewhere.
Your payment stays exactly the same as before your refinance, but now more of that money is attacking the principal balance rather than going to interest. The result: you pay off your mortgage years earlier and save dramatically more in total interest — often hundreds of thousands of dollars over the life of the loan.
The Standard Refi shows your savings if you simply take the lower payment and make no changes. The Accelerated Refi shows what happens when you reinvest those savings back into the loan. Both are wins — the accelerated option just gets you there much faster.

EDUCATION

Start with the

right knowledge.

Our blog covers the topics that actually matter for homebuyers and investors. New posts added regularly by the VOM team at VOM Enterprises.

FIRST-TIME BUYERS

Homebuyer Guides

Down payments, credit scores, pre-approval, the full mortgage process. Everything first-time buyers need before they make a move.

INVESTORS

Investor Education

DSCR loans, STR financing, fix-and-flip, scaling a portfolio. Built for investors who want to understand the financials.

ALL BORROWERS

Rate Commentary

Where rates are heading, what the Fed is doing, and what it means for buyers and investors. Straight talk from the VOM team.

FIRST-TIME BUYERS

Want more than a blog? Visit VOM Enterprises.

VOM Enterprises is our education and marketing platform built for buyers, investors, and real estate professionals who want to go beyond the basics. Seminars, coaching, and a full investing curriculum.

LATEST FROM VOM

Market updates

from the team.

FEATURED - 3/24/26

Where Rates Are Heading and What Buyers Should Do Right Now

The Fed's posture has shifted. Here is what that means for mortgage rates in the next 60 to 90 days and whether it makes sense to lock now or wait.

INVESTOR INSIGHT - 12/17/25

Why Investors Are Winning Right Now Despite Higher Rates

Higher rates have pushed retail buyers out of certain markets, creating real opportunity for investors with the right financing.

EDUCATION - 2/23/26

The Younger Generation and the Homeownership Gap

The narrative says buying is impossible for younger buyers. The data tells a more nuanced story. Here is what is actually going on.

FREE DOWNLOADS

Take these

with you.

Practical checklists you can reference throughout the process. We want to ensure you have the smoothest process and see you succeed.

FIRST-TIME BUYERS

First-time Buyer Checklist

Every document, account, and piece of information you need to gather before applying for a mortgage. Organized by stage of the process.

INVESTORS

Investor Due Diligence List

Before you finance an investment property, run it through this checklist. Cash flow, DSCR, expense ratios, and market verification all covered.

ALL BORROWERS

Mortgage Process Timeline

A week-by-week guide from application to closing. Know what to expect, what you need to provide, and when decisions happen at each stage.

FAQS

Answers to

common questions

How much down payment do I actually need?

As little as 3% on conventional and 3.5% on FHA for primary residences. VA and USDA offer zero down for eligible borrowers. The right amount depends on your loan type, credit profile, and financial goals.

What credit score do I need to get approved?

Conventional loans typically require a 620 minimum. FHA goes to 580 with 3.5% down. Some Non-QM programs go lower. Your score also significantly affects your rate, not just whether you get approved.

How long does the mortgage process take?

Pre-approval within 24 to 48 hours. From full application to close typically runs 21 to 30 days for conventional loans. Government loans and complex files may take 30 to 45 days.

How long does the mortgage process take?

Yes. We specialize in self-employed borrowers. Bank statement loans, 1099-only programs, P&L loans, and asset depletion are all options depending on how your income is structured.

What is a DSCR loan and who is it for?

A DSCR loan qualifies you on the property's rental income, not your personal income. No W-2, no tax returns required. Built for real estate investors who want to scale without income limitations.

Do you lend in my state?

We lend nationwide through direct licensure and lending partnerships. Reach out to confirm availability in your specific state and we will connect you with the right solution.

READY TO MOVE FORWARD

You have the information.

Now apply.

Pre-approval in 24 to 48 hours. Soft credit pull, no score impact. A dedicated loan officer reviews your file personally.

LEARN MORE

Want more education?

VOM Enterprises.

Seminars, investor coaching, and a full real estate education platform. Built to teach people the power of real estate.

LICENSED TO LEAD NATIONWIDE THROUGH DIRECT LICENSURE AND LENDING PARTNERSHIP

PHONE: +1 (941) 251-0501

EMAIL: [email protected]

LOAN PROGRAMS

VOM ECOSYSTEM

VOM Mortgage | NMLS #2503260. This is not a commitment to lend. All loans subject to underwriting approval, credit and income verification, appraisal, and satisfactory title. Rates and programs subject to change without notice. Equal Housing Lender. Pre-qualification does not guarantee loan approval. Any pre-qualification is based on a soft credit inquiry and unverified information. © 2025 VOM Mortgage. All rights reserved.