Billy Jacques of The Mortgage Calculator

one of the nation's premier mortgage Advisors!

About

BILLY JACQUES

Welcome! I am Billy Jacques of The Mortgage Calculator, one of the nations premier Mortgage advisors! I am dedicated to providing my clients with cutting edge tools and state-of-the-art technology to navigate this dynamic real estate market. My client resources include everything from up to the minute market conditions to home value reports and more. I am committed to ensure that your home-buying journey in today’s market is as smooth And informed as possible. Let me be your trusted partner in finding the perfect home!

Your Personalized Mortgage Planning Journey

Step 1

Starting with your initial planning call.

Step 2

This plan evolves and adapts as you progress through your property search.

Step 3

Extending all the way to the offer and acceptance of the purchase contract.

Step 4

And beyond closing.

Assessing Today's Options and Beyond

We don’t just focus on the present options—we also consider for you a 2–5-year and 15-year options. By thoroughly evaluating every financial variable, we help you secure optimal financing that cuts down on both interest and overall costs.

Explore Real-Time Options

Our tool features a mobile-friendly interface that refreshes in real time as you explore different mortgage options, allowing you to easily compare closing costs—whether covered by you or the seller—and learn about an array of financing programs, including Conventional loans with down payments as low as 3–5%, FHA loans starting at 3.5%, and even Down Payment Assistance. Everything is designed to help you save more while building your future.

Plan BEFORE You Buy...

We’re certain you’ll find this modern approach to mortgage planning not only enjoyable, but also highly advantageous.

NEED DOWN PAYMENT assistance? Find the right program for you

The Game Inside Of A Game: Having a Strategy Matters

Due Diligence

Is a vital safeguard, granting you the chance to confirm every detail and figure tied to the property. During this period, you can inspect the home, verify its legal status, and substantiate any claims made. Like a carefully orchestrated strategy, it shields you from hidden risks and remains a cornerstone of your overall plan.

Earnest Money

Is a cornerstone of real estate deals, reflecting your genuine commitment to proceed. It’s essentially a deposit provided to the seller to demonstrate your good faith. This upfront contribution secures your position and shapes the seller’s perception of your intentions.

Finance Contingency

Inserting a finance contingency clause in your offer creates a protective measure, like an escape hatch. It makes your purchase dependent on securing the necessary financing. Should you be unable to obtain the required loan, this clause allows you to back out without losing your earnest money.

Appraisal Contingency

Another pivotal step in your game plan, the appraisal contingency, grants you strong negotiating power. It stipulates that the property must match or surpass a specified appraised value. If it falls short, you have the option to renegotiate or walk away without penalty, keeping you firmly in charge.

During The Process

Weekly Tuesday Updates

Once your contract is in place, we touch base every Tuesday by 5pm to keep all involved parties informed, helping maintain a transparent path toward closing. In addition, you’ll receive updates at each key milestone, ensuring you remain well-informed throughout the entire process.

Features

Home Search

Experience the ease of our state-of-the-art, ad-free, real-time home listing search tool, which thoroughly examines properties,

Payment Calculators

Explore our comprehensive range of calculators designed to assist you in navigating today's diverse home financing options.

Value Report

Find the house and ready to plan an offer? Email our team the address

Strategy Call

Are you dreaming of owning a property but feeling overwhelmed by questions or options?

Annual Reviews

Every year on the anniversary of your home purchase, we perform a comprehensive mortgage review. This involves assessing your amortization schedule, escrow accounts, and financial objectives to ensure they remain in sync. We also identify potential opportunities to enhance your mortgage—such as reducing your interest rate—and provide insights into your equity growth, helping you track your property's increasing value. Our goal is to support your long-term financial success!

NOW THAT YOU'VE BEEN PREQUALIFIED OR PREAPPROVED,

Let's Get To Closing!

Contact Us