Buy with a plan, not with guesswork.
Before you start chasing listings with Jose Diaz, know the real payment, the cash you will likely need to close, and the next step that gets you offer-ready.
No hype. No inflated max approval. Start with clarity.
Taxes and insurance included, not just principal and interest.
Down payment, costs, and the range you should actually prepare.
A cleaner letter and a stronger path before the scramble starts.
A buyer-first approach focused on payment, cash to close, and a cleaner letter before the rush.
What you leave with after one short call
A tighter conversation that organizes numbers, documents, and next steps.
See the full payment before you fall for a property that does not fit your life.
We show what you may need and why, without late surprises.
The right order to prepare a cleaner pre-approval.
Better clarity for you and your Realtor when it is time to move.
What people already say about working with Jose Diaz
Real reviews placed before asking the visitor for more commitment.
How it works
It takes less time than continuing to guess.
Payment, cash, and your real scenario before you shop.
A clear next step, without pressure to apply too early.
See the payment before you fall for the property
Choose the program, term, rate, taxes, and insurance to review the full payment.
Mortgage calculator
Program, term, rate, taxes, and insurance in one view.
* Example for illustration only: purchase price $450,000, 20% down, 30-year fixed, 6.750% note rate, 6.982% APR, estimated as of January 15, 2026.
Rates, APR, taxes, insurance, mortgage insurance, reserves, cash to close, fees, and qualifying terms can change based on credit, income, assets, property, occupancy, documentation, market movement, lender overlays, and underwriting.
This calculator is an educational estimate. It is not a Loan Estimate, credit decision, approval, or commitment to lend. Ask a licensed mortgage professional for a full review and an official Loan Estimate before making decisions.
Common objections
Good. This starts with a plan, not a push toward paperwork.
We model the trade-off between payment, cash to close, and flexibility.
That is exactly why the call exists: less noise before the rush starts.
Lender options behind the process
More options help when the scenario calls for something less generic.
Coverage and referrals
Florida and Texas remain licensed. PMA can also support other states through partner referrals when the scenario allows it.
Florida and Texas mean direct PMA licensing and local presence. In every other state, PMA can still help with primary-home purchase, refinance, and investment scenarios through our partner referral network.
The calculator lives lower on the page as a tool. The first win is a cleaner buying plan.
Informational only. Not a commitment to lend. All scenarios depend on documentation, verification, underwriting, and lender approval.
Get My Buying Plan
The calculator lives lower on the page as a tool. The first win is a cleaner buying plan.