To find the right mortgage for your financial situation, use our mortgage calculator as a guide to figure out your estimated monthly payments, interest and principal rates, and the length of the mortgage.
Generally, a mortgage payment consists of PITI: Principal, Interest, Taxes, and Insurance. Principal is the monthly payback of the loan amount; Interest is the monthly payment of the cost to borrow the principal amount; Taxes consist of Real Estate taxes, which is paid to a local government agency; and Insurance deals with Homeowners insurance and any mortgage insurance (paid to protect the mortgage company). Buyers should also be aware that there are many types of mortgages, two of the most popular mortgages are: fixed and adjustable. Fixed mortgages have fixed interest rates and terms (e.g., 15 or 30 years). Principal payment and interest won’t change during the term, and both the interest rate and term are determined at the beginning of the mortgage. Adjustable mortgage rates, or ARM, are different from fixed mortgages in that the interest rate will go up or down depending on the current interest rate levels. The same can be said about the monthly principal and interest payments.
* (30 years = 360 months, 25 years = 300 months, 20 years = 240 months)
30 yr fixed mortgage
15 yr fixed mortgage
30 yr jumbo mortgage
15 yr jumbo mortgage
Rate update: 10-01-2014
"Anna Szczepanski and Mitra Guilani : Your Real Estate Experts in Tarzana, California"
Anna Szczepanski: Anna is a licensed agent in California with Berkshire Hathaway HomeServices- California Properties. Born in Poland and raised in South Africa, Anna is fluent in English and Polish. She moved to New York in 2001 and worked in the mortgage business for several years where her interest and passion for real estate grew.
From the moment Anna launched her real estate career, she brought her clients some advantages with her formidable skills while working as a duty controller at a national airline where she had to supervise the whole staff, dealing with delayed and cancelled flights and providing service to dissatisfied customers.
Accustomed to handling complexities, collaborating with a diverse mix of people, and juggling masses of details and deadlines, she has a great advantage to her Real Estate clients. Integrity, honesty and trustworthiness are the models she lives by. She prides herself on follow-ups, communication skills and attention to detail while giving the utmost attention to her clients. She goes beyond the call of duty and works around hours to meet her clients' needs.
Anna currently resides in the San Fernando Valley and has lived in various parts of Los Angeles for the past 9 years, making her knowledgeable in areas from the San Fernando Valley to the West Side. Anna currently spends her days focused on her clients' needs and is continually working and creating new ideas to market homes for sellers and assisting buyers in finding the home of their dreams.
When it comes to searching a home, she invests as many hours searching for her clients as she would for herself. Anna understands the process of buying and selling can be challenging and her ultimate intention is to provide her clients with the resources and information for her clients to make the right decision in making their real estate goals a reality.
When Anna is not assisting clients with their real estate needs, she enjoys hiking, yoga, movies, art, charity and spending time with friends and family.
I am committed to providing a superior level of service to both Buyers and Sellers. I am dedicated to finding buyers their perfect home and helping my sellers get the best value for their property.
Mitra Guilani: Mitra is a licensed agent in California with Berkshire Hathaway Home Services, California Properties
Born in Iran, Mitra is fluent in Farsi. She has a background in Mortgage Lending and has an excellent reputation in customer service.
She immigrated to the United States in 1980 and has lived here ever since. She grew up in Pacific Palisades and later moved to Brentwood and finally to Encino where she has been living for the past 16 years.
Having raised two children in Encino, Mitra is very familiar with the area and has been able to provide her clients with valuable information on school districts, neighborhoods and the community as a whole.
She connects with her clients on an emotional level and she goes the extra mile to make sure her clients, whether they are sellers or buyers, are happy.