EST. 2024 — MODERN LENDING

Buying a home?

From first search to closing day, we guide every step of your home purchase with clarity, speed, and terms built around your future.

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Loan Comparison Calculator

— EXPLORE

Find Your Perfect Mortgage

No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best deal possible! We specialize with non-traditional buyers, investors, and entrepreneurs.

INVESTOR FOCUS

01

DSCR

Designed for real estate investors, this program qualifies borrowers based on the rental income generated by the property rather than personal tax returns or employment history.

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NO TAX RETURNS

02

Bank Statement Loans

Ideal for self-employed individuals, this program uses 12 to 24 months of personal or business bank statements to verify income, bypassing the need for W-2s.

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BUSINESS OWNER

03

Self-Employed / Entrepreneur Loans

Flexible financing solutions tailored specifically for business owners, independent contractors, and freelancers whose unique financial structures require alternative income verification.

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NON-TRADITIONAL

04

Non-QM

A versatile alternative lending solution for borrowers with unique financial situations, allowing for flexible qualification guidelines outside of standard conforming rules.

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POPULAR CHOICE

05

Conventional

The most common traditional mortgage option, offering competitive rates and flexible terms for borrowers with stable income and strong credit scores.

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FIRST-TIME BUYER

06

FHA

A government-backed loan designed to make homeownership accessible, featuring lower down payment requirements and more flexible credit guidelines for buyers.

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VETERAN BENEFIT

07

VA

An exclusive, zero-down-payment mortgage benefit provided by the government to honor and support active-duty service members, veterans, and eligible surviving spouses.

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PREMIUM

08

Jumbo

Specialized financing designed for luxury homes or high-value properties that exceed the standard conforming loan limits established by Fannie Mae and Freddie Mac.

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FIXER UPPER

09

Renovation

A convenient all-in-one loan that combines the purchase price or refinancing of a home with the funding needed to cover upgrades, repairs, or major remodeling projects.

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RURAL LIVING

10

USDA

A government-backed, zero-down-payment mortgage program designed to help low-to-moderate-income buyers purchase homes in designated rural and suburban communities.

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— How It Works

Six clear steps to your front door.

We redesigned the mortgage process so every step is visible, predictable, and on your timeline.

1

Documentation

Securely submit your essential documents to begin the process.

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2

Appraisal

We verify the property’s value matches your purchase offer.

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3

Initial Underwriting

Our team reviews your application and details for accuracy.

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4

Conditional Approval

Your loan application is fully approved, pending just a few final details.

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5

Clear To Close

All requirements are met. Your loan is fully approved.

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6

Closing

Sign the final paperwork and receive your new keys!

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Curious about what loan option makes the most sense for you? Test it out by using our Comparison Mortgage Calculator...

Our mortgage calculators are for demonstration purposes only and may not reflect actual numbers for your specific mortgage. Contact us and we will walk you through the best possible mortgage scenario for your specific needs!

Loan Option A
Loan Type
Rate Type
$
$50,000 $2 Million
$
%
0% 80%
Loan Term
%
0% 20%
  • Active/Veteran
  • National Guard/Reserve
  • Surviving Spouse
VA Specifics
Loan Option B
Loan Type
Rate Type
$
$50,000 $2 Million
$
%
0% 80%
Loan Term
%
0% 20%
  • Active/Veteran
  • National Guard/Reserve
  • Surviving Spouse
VA Specifics
Advanced (optional)
Credit Score
$
%
0% 5%
$
%
0% 20%
$ /month
Rate Adjustment Settings
Expected Rate Direction
%
0% 2%
%
2% 10%
%
0% 5%
Total cost after
Loan Option A: $0
Loan Option B: $0
years
Total cost over years
TOTAL COST
YEARS
Option A $/mo
Loan Type
Loan Amount $
Interest Rate %
Upfront Cost $
Monthly Payment $
Lifetime Cost $
Option B $/mo
Loan Type
Loan Amount $
Interest Rate %
Upfront Cost $
Monthly Payment $
Lifetime Cost $
Save & Email Results
Estimated Costs
These costs are estimated based the information added in the advanced section. You may adjust these values to suit your particular situation in order to get a more accurate estimate.
Loan Option A
Loan Option B
Loan Amount
$
$
Down Payment
$
$
Interest Rate
%
%
Loan Term
years
years
Taxes & Insurance Included?
Property Tax(1st year)
$
$
Home Owners Insurance(1st year)
$
$
HOA dues
$
$
Home Appreciation
%
%
Upfront Fee
$
$
Total upfront fees
$
$
Total Interest Payments
$
$
Total Principal Payments
$
$
Lifetime Cost
$
$
How We Calculate the Costs
Comparing Mortgage Options This calculator helps you compare two different mortgage options. It takes into account various factors for each option: Loan Details:
  • Loan type (Conventional, FHA, VA, USDA)
  • Loan amount
  • Interest rate
  • Loan term
  • Down payment amount
Additional Costs:
  • Property taxes
  • Homeowners insurance
  • HOA fees
  • Private Mortgage Insurance (PMI) if applicable
Upfront Fees The calculator considers upfront fees, which can vary based on the loan type:
  • Conventional loans: Typically closing costs (2-5% of loan amount)
  • FHA loans: Upfront Mortgage Insurance Premium (UFMIP) of 1.75% of the loan amount
  • VA loans: VA Funding Fee (varies based on down payment and use)
  • USDA loans: Upfront guarantee fee of 1% of the loan amount
These fees can often be rolled into the loan amount, which is an option in the calculator. Assumptions and Calculations The calculator makes several calculations and assumptions:
  • Monthly mortgage payment (principal and interest)
  • Total interest paid over the life of the loan
  • Total cost of the loan (including upfront fees, monthly payments, and additional costs)
  • Annual home appreciation rate: %
Comparison Metrics The calculator compares the two options based on:
  • Monthly payment
  • Total upfront costs
  • Total cost over the life of the loan
  • Break-even point (if applicable)
You can adjust the values in the calculator, including in the advanced settings, to better reflect your specific situation. This allows you to compare different scenarios, such as a 30-year fixed rate mortgage versus a 15-year fixed rate, or comparing loans from different lenders with varying terms and fees. Keep in mind that while this calculator provides a comprehensive comparison, your actual costs may vary based on your specific circumstances, credit score, and local market conditions. It's always recommended to consult with a mortgage professional for personalized advice.

— Plan Your Journey

Check out our other mortgage calculators

Access our top-rated mortgage calculators to expertly assess your financing options, compare various loan types, and make informed decisions for your home buying journey.

Affordability Calculator

Assess how much home you can afford based on your income, expenses, and desired down payment.

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Early Payoff Calculator

See how making extra payments can help you pay off your mortgage faster and save on interest.

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Rent vs Buy Calculator

Compare the costs of renting versus buying a home to determine the best financial decision for your situation.

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Seller Net Profit Calculator

See how much you could make from your home sale with our Seller Net Profit Calculator.

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Rate Buydown Calculator

Check out how much you can save with a seller-paid rate buydown.

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HELOC Calculator

Estimate your credit limit and monthly payments with our HELOC Calculator!

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Mortgage Comparison Calculator

Compare different mortgage options side by side to find the best fit for your financial needs.

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Refinance Comparison Calculator

Evaluate the potential savings and costs associated with refinancing your existing mortgage.

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DSCR Investor Calculator

See what your investor ratio is with our DSCR calculator.

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Adjustable Rate Mortgage Calculator

Determine your potential monthly payments and interest costs for an adjustable-rate mortgage over time.

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VA Calculator

Estimate your monthly payments and total costs for a loan backed by the Department of Veterans Affairs.

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Jumbo Calculator

Calculate your monthly payments and total costs for a jumbo mortgage that exceeds conforming loan limits.

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FHA Calculator

Determine your potential monthly payments and total costs for a Federal Housing Administration loan.

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Conventional Calculator

See the monthly payment and total cost for a conventional mortgage loan.

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USDA Calculator

Calculate the costs and monthly payments associated with a USDA Rural Development loan.

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203k Renovation Calculator

Analyze your debt service coverage ratio to evaluate the profitability of an investment property.

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General Mortgage Payment Calculator

See what your monthly payment could be with our general repayment mortgage calculator.

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LYNQ

— ABOUT THE COMPANY

LYNQ
Capital Group

LYNQ Capital Group was founded on a singular vision: to transform the lending experience from a transaction into a relationship. Drawing on years of real estate finance experience, our team believes the most impactful outcomes begin with genuine human connection.

Our approach blends modern advisory expertise with a deep commitment to each client’s unique journey — guiding them toward opportunities they didn’t know were possible.

— LYNQ CAPITAL GROUP

Read More About Us