Nick Kalkman
Loan Officer
NMLS# 848682
Bell Bank Mortgage
971 Sibley Memorial Hwy Suite 201 | Lilydale, MN 55118
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.
This is not a commitment to lend. Not all borrowers will qualify. This is for illustrative purposes only and estimates are based on information you provided. Interest rates, mortgage insurance rates, and programs are subject to credit approval and available rates and terms will vary, sometimes drastically, based on borrower eligibility and program selected. For accurate interest rates and mortgage insurance rates please contact your mortgage consultant. For illustrative purposes FHA/VA and USDA loan amounts will include an estimate for the financed upfront MI amount.
This is not a commitment to lend. Not all borrowers will qualify. This is for illustrative purposes only and estimates are based on information you provided. Interest rates, mortgage insurance rates, and programs are subject to credit approval and available rates and terms will vary, sometimes drastically, based on borrower eligibility and program selected. For accurate interest rates and mortgage insurance rates please contact your mortgage consultant. For illustrative purposes FHA/VA and USDA loan amounts will include an estimate for the financed upfront MI amount.
This is not a commitment to lend. Not all borrowers will qualify. This is for illustrative purposes only and estimates are based on information you provided. Interest rates, mortgage insurance rates, and programs are subject to credit approval and available rates and terms will vary, sometimes drastically, based on borrower eligibility and program selected. For accurate interest rates and mortgage insurance rates please contact your mortgage consultant. For illustrative purposes FHA/VA and USDA loan amounts will include an estimate for the financed upfront MI amount.
Nick Kalkman
Loan Officer
NMLS# 848682
Bell Bank Mortgage
971 Sibley Memorial Hwy Suite 201 | Lilydale, MN 55118
You can afford $300,000
Your Monthly Payment: $667/month
Total Loan Amount: $240,000
Total Amount Paid: $240,000
Estimated insurance needed: $667/month
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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.
BackHere's a little about myself: I was born and raised in Sartell, Minnesota, then attended Minnesota State University Moorhead and received a degree in business administration. I moved to St. Paul shortly after college in the summer of 2004, then met the love of my life, Deanna Schaefer, in the spring of 2008. We have since married and now have two beautiful girls, Addison Lynn and Charlotte Eileen. When I'm not changing diapers, I can be found golfing, fishing or firing up the grill.
During high school and college, I spent my summers landscaping and installing underground sprinklers and working around 60 hours a week, so I learned at an early age what hard work is all about. I bring the same mentality to work every day here at Bell. Bell Mortgage provides the best service in the Minnesota mortgage industry, bar none. If you're looking for a smooth and enjoyable financing experience, I'd love to take care of your and your family's mortgage needs.
DISCLAIMER
You are going to a 3rd party website and there is NO WARRANTY, expressed or implied, for the accuracy of this information or its applicability to your financial situation. Please consult your mortgage consultant.
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Nick Kalkman
Loan Officer
NMLS# 848682
Bell Bank Mortgage
971 Sibley Memorial Hwy Suite 201 | Lilydale, MN 55118
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Release: master-7320
Nick Kalkman
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Release: master-7320
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