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Form analysis
1 forms found in the DOM

Name: calcForm —

<form name="calcForm" style="padding: 0px; margin: 0px;" class="pform novalidation" data-widget-rates-calc="">
  <table class="mpc table table-responsive" cellspacing="0" cellpadding="0" border="0">
    <thead>
      <tr class="ths">
        <th>Term</th>
        <th>Rate</th>
        <th>Apr</th>
        <th>Payment</th>
      </tr>
    </thead>
    <tbody>
      <tr>
        <td>30 Yr Fxd</td>
        <td>6.591%</td>
        <td>6.67%</td>
        <td class="result">
          <div id="result_0"></div>
          <input type="hidden" name="rateTerm_0" value="30">
          <input type="hidden" name="rateType_0" value="1">
          <input type="hidden" name="rate_0" value="6.591">
        </td>
      </tr>
      <tr>
        <td>30 Yr Fxd FHA</td>
        <td>5.833%</td>
        <td>6.942%</td>
        <td class="result">
          <div id="result_1"></div>
          <input type="hidden" name="rateTerm_1" value="30">
          <input type="hidden" name="rateType_1" value="1">
          <input type="hidden" name="rate_1" value="5.833">
        </td>
      </tr>
      <tr>
        <td>15 Yr Fxd</td>
        <td>6.007%</td>
        <td>6.138%</td>
        <td class="result">
          <div id="result_2"></div>
          <input type="hidden" name="rateTerm_2" value="15">
          <input type="hidden" name="rateType_2" value="1">
          <input type="hidden" name="rate_2" value="6.007">
        </td>
      </tr>
      <tr>
        <td class="inputRow" colspan="4">
          <label for="loanAmt_rc">Loan Amount</label>
          <input type="text" class="form-control" id="loanAmt_rc" name="loanAmt" value="">
          <a class="btn colored calculate submit button_subscribe" href="#">Calculate</a>
        </td>
      </tr>
    </tbody>
  </table>
  <input type="hidden" name="numRates" value="3">
</form>

Text Content

 * Find Your Loan Officer
   Gardner Cummings NMLS 113857

Contact phone number: (518) 587-0523
 * 
 * 
 * 
 * 
 * 

Toggle navigation
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 * Purchase
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   * How Much Can I Afford
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 * Contact Us
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Apply Now


LET'S HELP YOU...FIND A GREAT RATEGET QUALIFIED

Whatever your goals are we are here to help!
Click our prequalifier to get started!

Discover Your Options Schedule Consultation





HOW WE CAN HELP BUY YOUR DREAM HOUSE


GET PRE-QUALIFIED

We can get you prequalified online so you can make an offer with confidence that
it will get accepted.

 * Benefits
 * Get Your Offer Accepted
 * Know Your Buying Range

Get Pre-Qualified


SHOP FOR BEST RATE

We will use our network of lenders to shop for the best rates and loan program
to fit your needs.

 * Benefits
 * Shop Multiple Lenders
 * Lower rates, Lower Payments

Shop Rates


FAST FUNDING

Our team will use our expertise to make sure your loan gets funded fast! We make
funding a breeze.

 * Benefits
 * Hassle Free Funding
 * Get Your Dream House

Fund Your Dream House



WELCOME TO THE FUNDING STORE

At The Funding Store, we treat each customer as an individual, not a number. We
don't place you into a loan profile formula created by the banking industry. We
use "common sense" and will help you obtain the best loan possible. We represent
a wide range of "A" rated lenders with first quality rates to private "hardship"
lenders.

We work with more than 100 investors. This allows us to get you the best rates
on all types of loan programs including: 30yr mortgage, 20yr mortgage, 15yr
mortgage, 10yr mortgage, 1yr ARMS, 3yr ARMS, 5yr ARMS, Conventional, Jumbo, Home
Equity Lines, VA and Commercial. Whether your situation calls for Full
Documents, No Documents, Non-Owner Occupied (Investor) or Multi-Family, we'll
fit your needs!


Verified Google Reviews
Darius Ciccarone
22 days ago
Gardner was great in helping me purchase my first property and helped address
all of my questions. Highly recommend!
Read more

Posted on
Google
Dana Groves
1 month ago
Gardner is so easy to work with. As a first time home buyer, he made sure we
were educated on the process. Everything went according to plan and we love our
new home! I would definitely recommend his services and wouldn’t consider
working with anyone else if we ever decide to move again. Thanks Gardner!
Read more

Posted on
Google
Frank Rafalik
1 month ago
Gardner at The Funding Store did a fantastic job for us. He got us a great rate
and kept us informed throughout the process. He answered all our questions and
took his time to explain all the closing cost. I highly recommend using The
Funding Store .
Read more

Posted on
Google
Adolfo Suero
2 months ago
Great working with Gardner. He answered all my questions in a quick and
knowledgeable way while showing me the options that best fit my personal
situation. Looking forward to work on another loan with the Funding Store
sometime soon.
Read more

Posted on
Google
Michael Stewart
3 months ago
Gardner at The Funding Store is a true professional in knowing all aspects of
home financing. I utilized his services about 4 years back when I refinanced and
again just recently in purchasing a new home. He explains the process clearly
and stays ahead of the game when anticipating any problems and resolving them.
While everyone is currently getting a 6.5%-7.0% interest rate, Gardner was able
to secure a rate for me of 5.99%! I recommend his services to everyone.
Read more

Posted on
Google
Rosalina Parella
5 months ago
Best mortgage broker. Responded fast, and helped us every step of the way. Got
us an amazing rate! 10/10 recommend!
Read more

Posted on
Google





LATEST BLOG POSTS

Nov 08, 2024


FEDERAL RESERVE RATE CUTS

The Federal Reserve’s recent decision to cut interest rates has brought a sense
of cautious optimism to the housing market and broader economy. On Thursday, the
Fed reduced its key benchmark borrowing rate by a quarter percentage point,
bringing the target range to 4.75-5.0%. This marks the second consecutive rate
cut, following a similar reduction in September, indicating a measured shift in
monetary policy aimed at supporting economic growth.
While the Fed’s rate cuts influence various consumer lending products, their
effect on mortgage rates isn’t always direct. Mortgage rates tend to follow the
10-year Treasury yield more closely, which responds to a variety of economic
factors....

Read More

Nov 01, 2024


REFI INTO A 15 YEAR MORTGAGE?

Refinancing to a 15-year mortgage is an option many homeowners consider when
interest rates drop. This type of refinance allows you to pay off your mortgage
faster, potentially saving on long-term interest costs. While the appeal of
faster equity-building and reduced interest is strong, refinancing to a shorter
term does come with trade-offs. Here’s what to consider if you’re thinking about
making the switch.

Before making the leap, it’s essential to assess several key factors. First,
check if you’ve held your current mortgage long enough to refinance; lenders
often require a set period before allowing this, known as “seasoning.” Another
critical aspect is your financial comfort with the...

Read More

Oct 24, 2024


WHAT IS A ZOMBIE MORTGAGE?

A zombie mortgage is a haunting financial surprise that can emerge years after a
homeowner thought their mortgage was fully paid off or discharged. This second
mortgage, often linked to loans from the early 2000s housing bubble, resurfaces
with demands for repayment, even though the borrower believed it was settled.
Many of these loans were part of “piggyback” financing, where a borrower took
out a first mortgage for 80% of their home’s value and a second mortgage for the
remaining 20%. Over time, confusion around modifications and loan terms has led
some homeowners to mistakenly believe the second mortgage was forgiven or
discharged, only for it to rise again—hence the term “zombie...

Read More




PURCHASING

We work conforming and non-conforming real estate loans.


CLICK HERE FOR MORE



MONTHLY PAYMENT MORTGAGE CALCULATOR*

Use this calculator to see monthly payments for different loan amounts.

Home price

Down payment
 Down percent
Length of loan
Please select 30 years 20 years 15 years 10 years
Interest rate
Show advanced options
State
Please
selectAKALARAZCACOCTDCDEFLGAHIIAIDINILKSKYLAMAMDMEMIMNMOMSMTNENCNDNHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWBWIWY
Property tax
Homeowner's insurance
HOA fees
$ 2,743
Your estimated monthly payment

Payment breakdown Amortization schedule
Created with Highcharts 8.2.0
$2,743
Monthly payment
How is my monthly payment calculated?

Principal & interest
$2,743
Homeowner's insurance +

Property tax +

HOA fees +

Total monthly payment= $2,743

DatePaymentPrincipalInterestBalanceNov,
2024$2,743.18$392.34$2,350.83$433,607.66Dec,
2024$2,743.18$394.47$2,348.71$433,213.19Jan,
2025$2,743.18$396.60$2,346.57$432,816.59Feb,
2025$2,743.18$398.75$2,344.42$432,417.84Mar,
2025$2,743.18$400.91$2,342.26$432,016.92Apr,
2025$2,743.18$403.08$2,340.09$431,613.84May,
2025$2,743.18$405.27$2,337.91$431,208.57Jun,
2025$2,743.18$407.46$2,335.71$430,801.11Jul,
2025$2,743.18$409.67$2,333.51$430,391.44Aug,
2025$2,743.18$411.89$2,331.29$429,979.55Sep,
2025$2,743.18$414.12$2,329.06$429,565.43Oct,
2025$2,743.18$416.36$2,326.81$429,149.07Nov,
2025$2,743.18$418.62$2,324.56$428,730.45Dec,
2025$2,743.18$420.89$2,322.29$428,309.57Jan,
2026$2,743.18$423.17$2,320.01$427,886.40Feb,
2026$2,743.18$425.46$2,317.72$427,460.95Mar,
2026$2,743.18$427.76$2,315.41$427,033.18Apr,
2026$2,743.18$430.08$2,313.10$426,603.11May,
2026$2,743.18$432.41$2,310.77$426,170.70Jun,
2026$2,743.18$434.75$2,308.42$425,735.95Jul,
2026$2,743.18$437.11$2,306.07$425,298.84Aug,
2026$2,743.18$439.47$2,303.70$424,859.37Sep,
2026$2,743.18$441.85$2,301.32$424,417.51Oct,
2026$2,743.18$444.25$2,298.93$423,973.27Nov,
2026$2,743.18$446.65$2,296.52$423,526.61Dec,
2026$2,743.18$449.07$2,294.10$423,077.54Jan,
2027$2,743.18$451.51$2,291.67$422,626.04Feb,
2027$2,743.18$453.95$2,289.22$422,172.09Mar,
2027$2,743.18$456.41$2,286.77$421,715.68Apr,
2027$2,743.18$458.88$2,284.29$421,256.79May,
2027$2,743.18$461.37$2,281.81$420,795.43Jun,
2027$2,743.18$463.87$2,279.31$420,331.56Jul,
2027$2,743.18$466.38$2,276.80$419,865.18Aug,
2027$2,743.18$468.91$2,274.27$419,396.27Sep,
2027$2,743.18$471.45$2,271.73$418,924.83Oct,
2027$2,743.18$474.00$2,269.18$418,450.83Nov,
2027$2,743.18$476.57$2,266.61$417,974.26Dec,
2027$2,743.18$479.15$2,264.03$417,495.12Jan,
2028$2,743.18$481.74$2,261.43$417,013.37Feb,
2028$2,743.18$484.35$2,258.82$416,529.02Mar,
2028$2,743.18$486.98$2,256.20$416,042.04Apr,
2028$2,743.18$489.61$2,253.56$415,552.43May,
2028$2,743.18$492.27$2,250.91$415,060.16Jun,
2028$2,743.18$494.93$2,248.24$414,565.23Jul,
2028$2,743.18$497.61$2,245.56$414,067.62Aug,
2028$2,743.18$500.31$2,242.87$413,567.31Sep,
2028$2,743.18$503.02$2,240.16$413,064.29Oct,
2028$2,743.18$505.74$2,237.43$412,558.54Nov,
2028$2,743.18$508.48$2,234.69$412,050.06Dec,
2028$2,743.18$511.24$2,231.94$411,538.82Jan,
2029$2,743.18$514.01$2,229.17$411,024.82Feb,
2029$2,743.18$516.79$2,226.38$410,508.03Mar,
2029$2,743.18$519.59$2,223.59$409,988.44Apr,
2029$2,743.18$522.40$2,220.77$409,466.03May,
2029$2,743.18$525.23$2,217.94$408,940.80Jun,
2029$2,743.18$528.08$2,215.10$408,412.72Jul,
2029$2,743.18$530.94$2,212.24$407,881.78Aug,
2029$2,743.18$533.82$2,209.36$407,347.96Sep,
2029$2,743.18$536.71$2,206.47$406,811.26Oct,
2029$2,743.18$539.61$2,203.56$406,271.64Nov,
2029$2,743.18$542.54$2,200.64$405,729.10Dec,
2029$2,743.18$545.48$2,197.70$405,183.63Jan,
2030$2,743.18$548.43$2,194.74$404,635.20Feb,
2030$2,743.18$551.40$2,191.77$404,083.80Mar,
2030$2,743.18$554.39$2,188.79$403,529.41Apr,
2030$2,743.18$557.39$2,185.78$402,972.02May,
2030$2,743.18$560.41$2,182.77$402,411.61Jun,
2030$2,743.18$563.45$2,179.73$401,848.16Jul,
2030$2,743.18$566.50$2,176.68$401,281.66Aug,
2030$2,743.18$569.57$2,173.61$400,712.10Sep,
2030$2,743.18$572.65$2,170.52$400,139.45Oct,
2030$2,743.18$575.75$2,167.42$399,563.69Nov,
2030$2,743.18$578.87$2,164.30$398,984.82Dec,
2030$2,743.18$582.01$2,161.17$398,402.81Jan,
2031$2,743.18$585.16$2,158.02$397,817.65Feb,
2031$2,743.18$588.33$2,154.85$397,229.33Mar,
2031$2,743.18$591.52$2,151.66$396,637.81Apr,
2031$2,743.18$594.72$2,148.45$396,043.09May,
2031$2,743.18$597.94$2,145.23$395,445.15Jun,
2031$2,743.18$601.18$2,141.99$394,843.97Jul,
2031$2,743.18$604.44$2,138.74$394,239.53Aug,
2031$2,743.18$607.71$2,135.46$393,631.82Sep,
2031$2,743.18$611.00$2,132.17$393,020.81Oct,
2031$2,743.18$614.31$2,128.86$392,406.50Nov,
2031$2,743.18$617.64$2,125.54$391,788.86Dec,
2031$2,743.18$620.99$2,122.19$391,167.88Jan,
2032$2,743.18$624.35$2,118.83$390,543.53Feb,
2032$2,743.18$627.73$2,115.44$389,915.80Mar,
2032$2,743.18$631.13$2,112.04$389,284.67Apr,
2032$2,743.18$634.55$2,108.63$388,650.12May,
2032$2,743.18$637.99$2,105.19$388,012.13Jun,
2032$2,743.18$641.44$2,101.73$387,370.69Jul,
2032$2,743.18$644.92$2,098.26$386,725.77Aug,
2032$2,743.18$648.41$2,094.76$386,077.36Sep,
2032$2,743.18$651.92$2,091.25$385,425.43Oct,
2032$2,743.18$655.45$2,087.72$384,769.98Nov,
2032$2,743.18$659.00$2,084.17$384,110.98Dec,
2032$2,743.18$662.57$2,080.60$383,448.40Jan,
2033$2,743.18$666.16$2,077.01$382,782.24Feb,
2033$2,743.18$669.77$2,073.40$382,112.47Mar,
2033$2,743.18$673.40$2,069.78$381,439.07Apr,
2033$2,743.18$677.05$2,066.13$380,762.02May,
2033$2,743.18$680.71$2,062.46$380,081.31Jun,
2033$2,743.18$684.40$2,058.77$379,396.91Jul,
2033$2,743.18$688.11$2,055.07$378,708.80Aug,
2033$2,743.18$691.84$2,051.34$378,016.96Sep,
2033$2,743.18$695.58$2,047.59$377,321.38Oct,
2033$2,743.18$699.35$2,043.82$376,622.03Nov,
2033$2,743.18$703.14$2,040.04$375,918.89Dec,
2033$2,743.18$706.95$2,036.23$375,211.94Jan,
2034$2,743.18$710.78$2,032.40$374,501.16Feb,
2034$2,743.18$714.63$2,028.55$373,786.53Mar,
2034$2,743.18$718.50$2,024.68$373,068.04Apr,
2034$2,743.18$722.39$2,020.79$372,345.65May,
2034$2,743.18$726.30$2,016.87$371,619.34Jun,
2034$2,743.18$730.24$2,012.94$370,889.11Jul,
2034$2,743.18$734.19$2,008.98$370,154.91Aug,
2034$2,743.18$738.17$2,005.01$369,416.74Sep,
2034$2,743.18$742.17$2,001.01$368,674.58Oct,
2034$2,743.18$746.19$1,996.99$367,928.39Nov,
2034$2,743.18$750.23$1,992.95$367,178.16Dec,
2034$2,743.18$754.29$1,988.88$366,423.87Jan,
2035$2,743.18$758.38$1,984.80$365,665.49Feb,
2035$2,743.18$762.49$1,980.69$364,903.00Mar,
2035$2,743.18$766.62$1,976.56$364,136.38Apr,
2035$2,743.18$770.77$1,972.41$363,365.61May,
2035$2,743.18$774.94$1,968.23$362,590.67Jun,
2035$2,743.18$779.14$1,964.03$361,811.52Jul,
2035$2,743.18$783.36$1,959.81$361,028.16Aug,
2035$2,743.18$787.61$1,955.57$360,240.56Sep,
2035$2,743.18$791.87$1,951.30$359,448.68Oct,
2035$2,743.18$796.16$1,947.01$358,652.52Nov,
2035$2,743.18$800.47$1,942.70$357,852.05Dec,
2035$2,743.18$804.81$1,938.37$357,047.24Jan,
2036$2,743.18$809.17$1,934.01$356,238.07Feb,
2036$2,743.18$813.55$1,929.62$355,424.52Mar,
2036$2,743.18$817.96$1,925.22$354,606.56Apr,
2036$2,743.18$822.39$1,920.79$353,784.17May,
2036$2,743.18$826.84$1,916.33$352,957.32Jun,
2036$2,743.18$831.32$1,911.85$352,126.00Jul,
2036$2,743.18$835.83$1,907.35$351,290.17Aug,
2036$2,743.18$840.35$1,902.82$350,449.82Sep,
2036$2,743.18$844.91$1,898.27$349,604.91Oct,
2036$2,743.18$849.48$1,893.69$348,755.43Nov,
2036$2,743.18$854.08$1,889.09$347,901.35Dec,
2036$2,743.18$858.71$1,884.47$347,042.64Jan,
2037$2,743.18$863.36$1,879.81$346,179.28Feb,
2037$2,743.18$868.04$1,875.14$345,311.24Mar,
2037$2,743.18$872.74$1,870.44$344,438.50Apr,
2037$2,743.18$877.47$1,865.71$343,561.04May,
2037$2,743.18$882.22$1,860.96$342,678.82Jun,
2037$2,743.18$887.00$1,856.18$341,791.82Jul,
2037$2,743.18$891.80$1,851.37$340,900.01Aug,
2037$2,743.18$896.63$1,846.54$340,003.38Sep,
2037$2,743.18$901.49$1,841.68$339,101.89Oct,
2037$2,743.18$906.37$1,836.80$338,195.52Nov,
2037$2,743.18$911.28$1,831.89$337,284.24Dec,
2037$2,743.18$916.22$1,826.96$336,368.02Jan,
2038$2,743.18$921.18$1,821.99$335,446.83Feb,
2038$2,743.18$926.17$1,817.00$334,520.66Mar,
2038$2,743.18$931.19$1,811.99$333,589.47Apr,
2038$2,743.18$936.23$1,806.94$332,653.24May,
2038$2,743.18$941.30$1,801.87$331,711.94Jun,
2038$2,743.18$946.40$1,796.77$330,765.54Jul,
2038$2,743.18$951.53$1,791.65$329,814.01Aug,
2038$2,743.18$956.68$1,786.49$328,857.33Sep,
2038$2,743.18$961.86$1,781.31$327,895.46Oct,
2038$2,743.18$967.07$1,776.10$326,928.39Nov,
2038$2,743.18$972.31$1,770.86$325,956.07Dec,
2038$2,743.18$977.58$1,765.60$324,978.49Jan,
2039$2,743.18$982.88$1,760.30$323,995.62Feb,
2039$2,743.18$988.20$1,754.98$323,007.42Mar,
2039$2,743.18$993.55$1,749.62$322,013.87Apr,
2039$2,743.18$998.93$1,744.24$321,014.93May,
2039$2,743.18$1,004.34$1,738.83$320,010.59Jun,
2039$2,743.18$1,009.78$1,733.39$319,000.80Jul,
2039$2,743.18$1,015.25$1,727.92$317,985.55Aug,
2039$2,743.18$1,020.75$1,722.42$316,964.80Sep,
2039$2,743.18$1,026.28$1,716.89$315,938.51Oct,
2039$2,743.18$1,031.84$1,711.33$314,906.67Nov,
2039$2,743.18$1,037.43$1,705.74$313,869.24Dec,
2039$2,743.18$1,043.05$1,700.13$312,826.19Jan,
2040$2,743.18$1,048.70$1,694.48$311,777.49Feb,
2040$2,743.18$1,054.38$1,688.79$310,723.11Mar,
2040$2,743.18$1,060.09$1,683.08$309,663.02Apr,
2040$2,743.18$1,065.83$1,677.34$308,597.19May,
2040$2,743.18$1,071.61$1,671.57$307,525.58Jun,
2040$2,743.18$1,077.41$1,665.76$306,448.17Jul,
2040$2,743.18$1,083.25$1,659.93$305,364.92Aug,
2040$2,743.18$1,089.12$1,654.06$304,275.80Sep,
2040$2,743.18$1,095.01$1,648.16$303,180.79Oct,
2040$2,743.18$1,100.95$1,642.23$302,079.84Nov,
2040$2,743.18$1,106.91$1,636.27$300,972.93Dec,
2040$2,743.18$1,112.91$1,630.27$299,860.03Jan,
2041$2,743.18$1,118.93$1,624.24$298,741.10Feb,
2041$2,743.18$1,124.99$1,618.18$297,616.10Mar,
2041$2,743.18$1,131.09$1,612.09$296,485.01Apr,
2041$2,743.18$1,137.21$1,605.96$295,347.80May,
2041$2,743.18$1,143.37$1,599.80$294,204.42Jun,
2041$2,743.18$1,149.57$1,593.61$293,054.86Jul,
2041$2,743.18$1,155.79$1,587.38$291,899.06Aug,
2041$2,743.18$1,162.06$1,581.12$290,737.01Sep,
2041$2,743.18$1,168.35$1,574.83$289,568.66Oct,
2041$2,743.18$1,174.68$1,568.50$288,393.98Nov,
2041$2,743.18$1,181.04$1,562.13$287,212.94Dec,
2041$2,743.18$1,187.44$1,555.74$286,025.50Jan,
2042$2,743.18$1,193.87$1,549.30$284,831.63Feb,
2042$2,743.18$1,200.34$1,542.84$283,631.29Mar,
2042$2,743.18$1,206.84$1,536.34$282,424.45Apr,
2042$2,743.18$1,213.38$1,529.80$281,211.08May,
2042$2,743.18$1,219.95$1,523.23$279,991.13Jun,
2042$2,743.18$1,226.56$1,516.62$278,764.57Jul,
2042$2,743.18$1,233.20$1,509.97$277,531.37Aug,
2042$2,743.18$1,239.88$1,503.29$276,291.49Sep,
2042$2,743.18$1,246.60$1,496.58$275,044.89Oct,
2042$2,743.18$1,253.35$1,489.83$273,791.54Nov,
2042$2,743.18$1,260.14$1,483.04$272,531.41Dec,
2042$2,743.18$1,266.96$1,476.21$271,264.44Jan,
2043$2,743.18$1,273.83$1,469.35$269,990.62Feb,
2043$2,743.18$1,280.73$1,462.45$268,709.89Mar,
2043$2,743.18$1,287.66$1,455.51$267,422.23Apr,
2043$2,743.18$1,294.64$1,448.54$266,127.59May,
2043$2,743.18$1,301.65$1,441.52$264,825.94Jun,
2043$2,743.18$1,308.70$1,434.47$263,517.24Jul,
2043$2,743.18$1,315.79$1,427.39$262,201.45Aug,
2043$2,743.18$1,322.92$1,420.26$260,878.53Sep,
2043$2,743.18$1,330.08$1,413.09$259,548.45Oct,
2043$2,743.18$1,337.29$1,405.89$258,211.16Nov,
2043$2,743.18$1,344.53$1,398.64$256,866.63Dec,
2043$2,743.18$1,351.81$1,391.36$255,514.81Jan,
2044$2,743.18$1,359.14$1,384.04$254,155.68Feb,
2044$2,743.18$1,366.50$1,376.68$252,789.18Mar,
2044$2,743.18$1,373.90$1,369.27$251,415.28Apr,
2044$2,743.18$1,381.34$1,361.83$250,033.94May,
2044$2,743.18$1,388.82$1,354.35$248,645.11Jun,
2044$2,743.18$1,396.35$1,346.83$247,248.76Jul,
2044$2,743.18$1,403.91$1,339.26$245,844.85Aug,
2044$2,743.18$1,411.52$1,331.66$244,433.34Sep,
2044$2,743.18$1,419.16$1,324.01$243,014.17Oct,
2044$2,743.18$1,426.85$1,316.33$241,587.33Nov,
2044$2,743.18$1,434.58$1,308.60$240,152.75Dec,
2044$2,743.18$1,442.35$1,300.83$238,710.40Jan,
2045$2,743.18$1,450.16$1,293.01$237,260.24Feb,
2045$2,743.18$1,458.02$1,285.16$235,802.23Mar,
2045$2,743.18$1,465.91$1,277.26$234,336.31Apr,
2045$2,743.18$1,473.85$1,269.32$232,862.46May,
2045$2,743.18$1,481.84$1,261.34$231,380.62Jun,
2045$2,743.18$1,489.86$1,253.31$229,890.76Jul,
2045$2,743.18$1,497.93$1,245.24$228,392.82Aug,
2045$2,743.18$1,506.05$1,237.13$226,886.78Sep,
2045$2,743.18$1,514.21$1,228.97$225,372.57Oct,
2045$2,743.18$1,522.41$1,220.77$223,850.16Nov,
2045$2,743.18$1,530.65$1,212.52$222,319.51Dec,
2045$2,743.18$1,538.94$1,204.23$220,780.57Jan,
2046$2,743.18$1,547.28$1,195.89$219,233.29Feb,
2046$2,743.18$1,555.66$1,187.51$217,677.62Mar,
2046$2,743.18$1,564.09$1,179.09$216,113.54Apr,
2046$2,743.18$1,572.56$1,170.61$214,540.98May,
2046$2,743.18$1,581.08$1,162.10$212,959.90Jun,
2046$2,743.18$1,589.64$1,153.53$211,370.26Jul,
2046$2,743.18$1,598.25$1,144.92$209,772.00Aug,
2046$2,743.18$1,606.91$1,136.27$208,165.09Sep,
2046$2,743.18$1,615.61$1,127.56$206,549.48Oct,
2046$2,743.18$1,624.37$1,118.81$204,925.11Nov,
2046$2,743.18$1,633.16$1,110.01$203,291.95Dec,
2046$2,743.18$1,642.01$1,101.16$201,649.94Jan,
2047$2,743.18$1,650.90$1,092.27$199,999.03Feb,
2047$2,743.18$1,659.85$1,083.33$198,339.19Mar,
2047$2,743.18$1,668.84$1,074.34$196,670.35Apr,
2047$2,743.18$1,677.88$1,065.30$194,992.47May,
2047$2,743.18$1,686.97$1,056.21$193,305.50Jun,
2047$2,743.18$1,696.10$1,047.07$191,609.40Jul,
2047$2,743.18$1,705.29$1,037.88$189,904.11Aug,
2047$2,743.18$1,714.53$1,028.65$188,189.58Sep,
2047$2,743.18$1,723.81$1,019.36$186,465.77Oct,
2047$2,743.18$1,733.15$1,010.02$184,732.61Nov,
2047$2,743.18$1,742.54$1,000.63$182,990.07Dec,
2047$2,743.18$1,751.98$991.20$181,238.10Jan,
2048$2,743.18$1,761.47$981.71$179,476.63Feb,
2048$2,743.18$1,771.01$972.17$177,705.62Mar,
2048$2,743.18$1,780.60$962.57$175,925.01Apr,
2048$2,743.18$1,790.25$952.93$174,134.76May,
2048$2,743.18$1,799.95$943.23$172,334.82Jun,
2048$2,743.18$1,809.69$933.48$170,525.12Jul,
2048$2,743.18$1,819.50$923.68$168,705.63Aug,
2048$2,743.18$1,829.35$913.82$166,876.27Sep,
2048$2,743.18$1,839.26$903.91$165,037.01Oct,
2048$2,743.18$1,849.22$893.95$163,187.79Nov,
2048$2,743.18$1,859.24$883.93$161,328.55Dec,
2048$2,743.18$1,869.31$873.86$159,459.23Jan,
2049$2,743.18$1,879.44$863.74$157,579.80Feb,
2049$2,743.18$1,889.62$853.56$155,690.18Mar,
2049$2,743.18$1,899.85$843.32$153,790.32Apr,
2049$2,743.18$1,910.14$833.03$151,880.18May,
2049$2,743.18$1,920.49$822.68$149,959.69Jun,
2049$2,743.18$1,930.89$812.28$148,028.80Jul,
2049$2,743.18$1,941.35$801.82$146,087.44Aug,
2049$2,743.18$1,951.87$791.31$144,135.58Sep,
2049$2,743.18$1,962.44$780.73$142,173.13Oct,
2049$2,743.18$1,973.07$770.10$140,200.06Nov,
2049$2,743.18$1,983.76$759.42$138,216.31Dec,
2049$2,743.18$1,994.50$748.67$136,221.80Jan,
2050$2,743.18$2,005.31$737.87$134,216.49Feb,
2050$2,743.18$2,016.17$727.01$132,200.33Mar,
2050$2,743.18$2,027.09$716.09$130,173.24Apr,
2050$2,743.18$2,038.07$705.11$128,135.17May,
2050$2,743.18$2,049.11$694.07$126,086.06Jun,
2050$2,743.18$2,060.21$682.97$124,025.85Jul,
2050$2,743.18$2,071.37$671.81$121,954.48Aug,
2050$2,743.18$2,082.59$660.59$119,871.89Sep,
2050$2,743.18$2,093.87$649.31$117,778.02Oct,
2050$2,743.18$2,105.21$637.96$115,672.81Nov,
2050$2,743.18$2,116.61$626.56$113,556.19Dec,
2050$2,743.18$2,128.08$615.10$111,428.12Jan,
2051$2,743.18$2,139.61$603.57$109,288.51Feb,
2051$2,743.18$2,151.20$591.98$107,137.31Mar,
2051$2,743.18$2,162.85$580.33$104,974.47Apr,
2051$2,743.18$2,174.56$568.61$102,799.90May,
2051$2,743.18$2,186.34$556.83$100,613.56Jun,
2051$2,743.18$2,198.19$544.99$98,415.37Jul,
2051$2,743.18$2,210.09$533.08$96,205.28Aug,
2051$2,743.18$2,222.06$521.11$93,983.22Sep,
2051$2,743.18$2,234.10$509.08$91,749.12Oct,
2051$2,743.18$2,246.20$496.97$89,502.92Nov,
2051$2,743.18$2,258.37$484.81$87,244.55Dec,
2051$2,743.18$2,270.60$472.57$84,973.95Jan,
2052$2,743.18$2,282.90$460.28$82,691.05Feb,
2052$2,743.18$2,295.27$447.91$80,395.79Mar,
2052$2,743.18$2,307.70$435.48$78,088.09Apr,
2052$2,743.18$2,320.20$422.98$75,767.89May,
2052$2,743.18$2,332.77$410.41$73,435.12Jun,
2052$2,743.18$2,345.40$397.77$71,089.72Jul,
2052$2,743.18$2,358.11$385.07$68,731.62Aug,
2052$2,743.18$2,370.88$372.30$66,360.74Sep,
2052$2,743.18$2,383.72$359.45$63,977.02Oct,
2052$2,743.18$2,396.63$346.54$61,580.38Nov,
2052$2,743.18$2,409.61$333.56$59,170.77Dec,
2052$2,743.18$2,422.67$320.51$56,748.10Jan,
2053$2,743.18$2,435.79$307.39$54,312.31Feb,
2053$2,743.18$2,448.98$294.19$51,863.33Mar,
2053$2,743.18$2,462.25$280.93$49,401.08Apr,
2053$2,743.18$2,475.59$267.59$46,925.49May,
2053$2,743.18$2,489.00$254.18$44,436.50Jun,
2053$2,743.18$2,502.48$240.70$41,934.02Jul,
2053$2,743.18$2,516.03$227.14$39,417.99Aug,
2053$2,743.18$2,529.66$213.51$36,888.33Sep,
2053$2,743.18$2,543.36$199.81$34,344.96Oct,
2053$2,743.18$2,557.14$186.04$31,787.82Nov,
2053$2,743.18$2,570.99$172.18$29,216.83Dec,
2053$2,743.18$2,584.92$158.26$26,631.91Jan,
2054$2,743.18$2,598.92$144.26$24,033.00Feb,
2054$2,743.18$2,613.00$130.18$21,420.00Mar,
2054$2,743.18$2,627.15$116.02$18,792.85Apr,
2054$2,743.18$2,641.38$101.79$16,151.47May,
2054$2,743.18$2,655.69$87.49$13,495.78Jun,
2054$2,743.18$2,670.07$73.10$10,825.71Jul,
2054$2,743.18$2,684.54$58.64$8,141.17Aug,
2054$2,743.18$2,699.08$44.10$5,442.09Sep,
2054$2,743.18$2,713.70$29.48$2,728.40Oct, 2054$2,743.18$2,728.40$14.78$0.00

* Please note: this calculator is for illustration payments and actual payments
may vary.




MEET OUR TEAM

Our team at The Funding Store is fast, friendly, experienced and here to help
you every step of the process!


PRESIDENT GARDNER CUMMINGS


NMLS 113857
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 THE FUNDING STORE ADVANTAGE

LOCAL KNOWLEDGE

We know the area and the market and we're part of your community, not a bot on
the net :)

FAST PROCESSING

We work to close your loan as quickly as possible. We can even hit curveballs!

BEST SERVICE

We offer a hybrid approach of new technology to speed closing and old fashioned
customer service and communication.

UTILIZING TECHNOLOGY

We have the latest online tech like secure mobile uploading and we're available
to use the device the old-fashioned way too!




THE FUNDING STORE ADDRESS

CONTACT US:

Email: gardner@paymentlower.com

Phone: (518) 587-0523

Address: 380 Broadway
Saratoga Springs ,NY
12866

OFFICE HOURS:

Monday-Friday: 9am to 6pm
Saturday: 10am to 2pm
Sunday: Closed




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LEARNING CENTER

 * The loan process
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CALCULATE MONTHLY PAYMENT*

Term Rate Apr Payment 30 Yr Fxd 6.591% 6.67%

30 Yr Fxd FHA 5.833% 6.942%

15 Yr Fxd 6.007% 6.138%

Loan Amount Calculate

*=This is only an estimate, provided for illustrative purposes only. Actual
rates and payments may vary. It does not constitute a quote.


ABOUT US

We strive to deliver the highest levels of service to help you reach your goals.
We thank you for your trust and support. From the first call to closing, our
team is with you every step of the way!

CONNECT WITH US

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CONTACT US

 *  380 Broadway
   Saratoga Springs, NY 12866
 *  (518) 587-0523
 *  gardner@paymentlower.com

LOAN OPTIONS

 * Fixed Rate Mortgage
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 * First Time Home Buyer
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RESOURCES

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Equal Housing Opportunity     The Funding Store ™ 2022  |  Company NMLS: 228206



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through third party providers.



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