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Jeff Howard

Branch Manager/Loan Officer

NMLS #: 470411

Veterans's Choice Home Loans | NMLS #2550
338 Kamokila Blvd | Ste 205 | Kapolei, HI 96707

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Refinance Calculator

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Affordability Calculator

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Historical Primary Mortgage Market Survey® data provided by Freddie Mac
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Freddie Mac PMMS® data is provided "as is," with no warranties of any kind, express or implied, including, but not limited to, warranties of accuracy or implied warranties of merchantability or fitness for a particular purpose. Not all borrowers will qualify. Use of the data is at the user's sole risk. This chart is for illustrative purposes only. This is not a commitment to lend. Not all borrowers will qualify. These are the current national mortgage rates on popular loan products. Rates shown are not available in all states or to all borrowers.

Calculator Results

You can afford $300,000

Your Monthly Payment: $667/month
Total Loan Amount: $240,000
Estimated insurance needed:$667/month
MI rates provided by Logomgictrans12

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Rates Disclosure

Interest rates and APRs are based on current market rates, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score and other variables - call for details. This is not a credit decision or a commitment to lend.  Mortgage insurance may be required. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. Additional loan programs may be available. APR (annual percentage rate) reflects the effective cost of your loan on a yearly basis, taking into account such items as interest, most closing costs, discount points (also referred to as "points"), and loan-origination fees. One point is 1% of the mortgage amount (e.g., $1,000 on a $100,000 loan). Your monthly payment is not based on APR, but instead on the interest rate on your Note. Adjustable Rate Mortgage (ARM) rates assume no increase in the financial index after the initial fixed period. ARM rates and monthly payments are subject to increase after the fixed period.

Rates and APRs also assume owner occupied Single family residences with an 80 loan-to-value (20% Down payment).  Discount point have varied and can be found on www.freddiemac.com.  These mortgage averages are for loans in 1st Lien Position.  The historical Freddie Mac PMMS® data is provided "as is," with no warranties of any kind, express or implied, including, but not limited to, warranties of accuracy or implied warranties of merchantability or fitness for a particular purpose. Use of the data is at the user's sole risk. In no event will the advertiser on this app or Freddie Mac be liable for any damages arising out of or related to the data, including, but not limited to direct, indirect, incidental, special, consequential, or punitive damages, whether under a contract, tort, or any other theory of liability, even if Freddie Mac is aware of the possibility of such damages.

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Jeff Howard is the Branch Manager / Loan Officer and Co-Founder of Veteran’s Choice Home loans a DBA of Mann Mortgage LLC. Jeff created Veteran’s Choice Home Loans out of the absolute need in the real estate industry for personal VA Home Loan Education for our Active Military and Veteran communities. He believes that every VA Eligible Borrower deserves "one on one" personal attention through individual VA Home Loan Seminars, and that education on wealth building through Real Estate is the key to Active Military and Veteran long-term financial growth and security. Jeff joined Mann Mortgage in October of 2011 and helped to create Veteran’s Choice Home Loans in 2016. With over 12 years in the mortgage industry, this highly dedicated lending professional is focused primarily on residential mortgage loans including VA loans. He has held previous positions at First Hawaiian Bank and Countrywide/Bank of America. Jeff’s loan volume was an instrumental part of growing the Hawaii branch to a Top 20 producing branch in the nationwide Bank of America system (over 300 branches) with $300 million in annual sales. While there, he was named to the 2008-2011 Chairman’s Club for Bank of America’s top 1 percent in the nation, and was Bank of America’s top VA and USDA Purchase loan leader in 2008-2011. Having personally originated and closed over 600 million in home loans, Jeff has an unparalleled depth of knowledge in his field. From 2013 to 2015 Jeff was honored as the #1 Overall Producer nationwide in Mann Mortgage in total loan volume. In 2015 Scotsman Guide also ranked Jeff as the #24 ranked loan officer total loan volume and the highest ranking loan officer in Hawaii in the VA Home Loan Volume category. Jeff Howard attended the University of Hawaii, where he earned a B.A in Political Science.
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Ios288 cc4fdd58d7dc44d48c95f4e5bf384e2b
Jeff Howard

Branch Manager/Loan Officer

NMLS #: 470411

Veterans's Choice Home Loans | NMLS #2550
338 Kamokila Blvd | Ste 205 | Kapolei, HI 96707

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