Know Your Mortgage Plan Before You Make Your Next Move
Use MortgageOS to better understand your estimated payment, buying power, cash needs and mortgage readiness - then get clear on your next steps.
Explore MortgageOSEducational planning resource - No obligation - Not a loan approval
Don't Stop at a Mortgage Calculator
A mortgage calculator can give you an estimated number. MortgageOS is designed to help you better understand what those numbers may mean for your homebuying plan.
A mortgage decision involves more than principal and interest. Your comfortable monthly payment, estimated property taxes, homeowners insurance, available cash, down payment, estimated closing costs, financing options, credit profile, income and homebuying timeline can all affect the path ahead.
That is why the MortgageOS experience is built around one important question: What should you do next?
Your MortgageOS Path
Move through five simple stages designed to give you greater clarity before making a major financial decision.
Assess
Start with your goals, timing, estimated payment and overall financial picture.
Understand
Explore estimated buying power, cash needs, mortgage scenarios and monthly housing costs.
Review
Identify areas that may affect your mortgage preparation and readiness.
Plan
Turn the information into practical next steps for your homebuying plan.
Talk or Apply
When you are ready, connect with David to discuss your options and next steps.
Step 1: Start Building Your Mortgage Plan
Begin by looking at the information that matters most to your situation. You do not need to have everything figured out before starting.
See What MortgageOS ReviewsMortgageOS is intended for general educational and planning purposes and does not constitute a loan approval or commitment to lend.
Step 2: Get More Than a Number
MortgageOS helps you look at the relationship between your target home price, estimated monthly housing payment, available cash and potential financing strategy.
Your MortgageOS Snapshot
Estimated Monthly Payment: Review your projected housing payment based on the assumptions entered.
Estimated Buying Power: Explore a potential home-price range based on your planning assumptions.
Estimated Cash Needs: Consider possible down payment, closing costs and other funds that may be needed.
Mortgage Readiness: Identify areas you may want to address before moving forward.
Your Next 3 Steps
The goal is not simply to produce a mortgage number. The goal is to help you better understand what to do next.
Confirm Your Comfortable Payment
Do not begin only with the maximum amount you might qualify for. Consider a monthly housing payment that fits your broader financial goals and budget.
Prepare Your Mortgage File
Begin organizing income, employment, asset and other documentation that may be requested when evaluating your mortgage options.
Talk Through Your Options
Discuss your goals and questions with David and review mortgage scenarios that may be appropriate for your individual situation.
Ready for the Next Conversation?
You do not need to have every answer before reaching out. If you have questions about your buying timeline, mortgage options or preparation, the next step can simply be a conversation.
Questions to Bring to the Conversation
MortgageOS can help make your conversation more focused by identifying the questions that matter most to your situation.
What monthly housing payment fits comfortably within my budget?
How much should I consider planning for a down payment and closing costs?
Which mortgage programs may be appropriate to explore for my situation?
What should I prepare before I begin seriously shopping for a home?
Ready to Begin the Mortgage Process?
If you are ready to move forward, contact David for access to the appropriate secure mortgage application process. Do not send Social Security numbers, account numbers or other sensitive personal or financial information through this webpage.
Contact David to Get StartedCall or text 312-656-0220
Important: MortgageOS and the information provided on this page are intended for general educational and planning purposes only. Calculations and estimates may not reflect actual loan terms, interest rates, property taxes, homeowners insurance, mortgage insurance, fees or other costs. Information presented is not a commitment to lend, loan approval, preapproval or guarantee of eligibility. Actual qualification, available programs, rates, terms and costs are determined through the mortgage application and underwriting process.
David Braun, NMLS #303007
Regional Mortgage Corporation, NMLS #112327
Equal Housing Opportunity