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Michael Hoyt · OriginPointMike's Mortgage Playground

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Buying

I'm buying.

What will my payment be?Loan, taxes, insurance, PMI and HOA — all in.
What home price fits my budget?Start with the payment you want; get a price.
What if I pay a bit extra?How much sooner the loan ends, and what that saves.
Can I buy before I sell?Carry both homes, then watch the sale proceeds land.
Where should the seller's credit go?Price cut, temp buydown, or a permanent rate cut.
How much is a temporary buydown?The 1-0, the 2-1 and the 3-2-1, priced side by side.
What does interest-only cost?Ten years of interest, then twenty of principal too.
Should I wait a year?The price and the payment, now against later.
Rent or buy: which comes out ahead?What each leaves you with over the years you stay.

Michael Hoyt

SVP, Mortgage Lending

NMLS #653785

OriginPoint (Operating as OriginPoint Mortgage in CA); NMLS #2185899; For licensing information visit www.nmlsconsumeraccess.org. Equal Housing Lender. Conditions may apply. Operating in the state of California as OriginPoint Mortgage LLC in lieu of the legal name OriginPoint LLC. CA: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act WA: Consumer Loan Company License CL-2185899

Mike's Mortgage Playground is an educational tool operated by Michael Hoyt (NMLS #653785), a licensed loan originator with OriginPoint. Calculators and comparisons on this site are for illustration only, based on assumptions you can change — they are not a rate lock, a commitment to lend, or a Loan Estimate. Contact Mike directly for your actual rate, terms, and eligibility.

Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Mike's Mortgage Playground is an educational and lead-routing tool operated by a licensed mortgage loan originator. Nothing on this site is a loan approval, a commitment to lend, an offer to enter into an interest rate lock agreement, or a guarantee of any rate, term or payment. All information is for general education only and is subject to change without notice. Loan approval is subject to a complete application, credit review, underwriting and property eligibility.

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