How to Calculate Your Mortgage Payment
Mortgage monthly payments are determined by loan amount, principal, interest, term and more. Calculate monthly payment to determine exactly what you can afford.
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Local Expertise to help guide you home
Harold Waters, Jr., Mortgage Loan Officer
NMLS ID #2743865 | (706) 372-6128 | harold.waters@my.morty.com
A Seamless Process
Find your rate . Instantly find the most competitive deal from over 25 lenders in our network.
Get pre-approved . Complete a simple online application to receive a fast pre-approval, giving you confidence and bargaining power in your home search.
Close with ease . Enjoy a streamlined closing process with digital tools and expert support, making finalizing your mortgage quick and hassle-free
Financing partnership, the way it should be
How Much House Can I Afford?
Let’s dive into some tips and tricks to help you fully understand how to figure out how much house you can afford.
How to Calculate Your Debt-to-Income Ratio (DTI)
DTI is the proportion of your debt commitments relative to your monthly gross income. Lenders scrutinize this ratio to ensure you’re not burdened with excessive debt.
Mortgage Rates Today
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Supporting Homebuyers
“I was able to lock in the best rate for my loan and I was cleared to close well ahead of my set closing date. [They] helped me fully understand the terms of the loan and [were] available constantly to answer my questions.”
Nathalie S
“Best lender I've ever had. Very communicative, quick, and easy to get a hold of when you need to. I like that you can see exactly what step everything is on on their site. They seemed to always be on top of their stuff.”
Lindsey S
“Strongly recommend Morty. Fast service, professional, low rates. I will never shop for a loan elsewhere.”
Phi T
“The rates and fees you see in the portal are accurate and do not change. The closing team is super responsive and helpful along with always making sure that we were cleared to close long before the closing date. That provides such a relief, especially in this crazy market!”
Derek and Liza
“I highly highly recommend them to anyone in the market. They'll get you to closing on time and provide great support along the way!”
Tammy B
“Flawless customer support that other companies only aspire to achieve. We appreciated their patience, responsiveness, and assistance every step of the way. Working with this team was nothing but pleasure. Thank you very much indeed!”
Alexander P