Run the numbers, then talk through your options with Dave Ramirez. No sign-up needed.
Estimate your monthly housing cost, including taxes and insurance.
Illustrative rate, not a rate quote or APR.
Enter an estimate if applicable; not calculated automatically.
Estimated monthly housing cost
$3,783.93
Principal & interest
$3,033.93
Property taxes
$600.00
Homeowners insurance
$150.00
HOA dues
$0.00
Mortgage insurance
$0.00
Loan amount
$480,000.00
Down payment
$120,000.00
HOA dues are often paid separately. Taxes and insurance may change. Program fees, closing costs, maintenance and utilities are not included.
Planning estimates only—not a Loan Estimate, rate quote, approval or commitment to lend. Example inputs are editable and are not current market rates. Calculations assume fixed rates and monthly payments; actual loan terms and costs vary.
I’m a San Diego native with more than 21 years of experience as a mortgage loan officer, proudly serving clients throughout California. My passion is helping people achieve their real estate goals—whether it’s guiding first-time homebuyers through the process, structuring smart solutions for seasoned investors, or finding creative financing options tailored to unique needs. I believe integrity, transparency, and clear communication are the foundation of great client relationships, and I make myself available seven days a week because real estate never takes a day off.
After attending college in Durango, Colorado, I spent 15 incredible years in Telluride, where I embraced the mountain lifestyle—skiing, snowboarding, hiking, biking, fly-fishing, and river rafting through the Four Corners region. In 2015, the ocean called me back home to San Diego, where I’ve reconnected with my roots.
When I’m not helping clients, you’ll find me catching waves, biking the boardwalk, tending to my avocado trees, or enjoying the best of Southern California living.
