“Mr. Aczel Rico is a very pleasant and hard working man, knows the job well and gets the job done, no matter how many times I called, he was always ready, willing and able to answer all of my questions and concerns, as first time home buyer I must say that my experience with him was a breeze, it has been a pleasure working with Mr. Rico and I will highly recommend him to anyone interested in purchasing a home for the first time.”
of your home loan
in your hands!
powerful new mobile app designed to
make the process of securing a home
loan as easy and as fast as possible!
Calculate mortgage options, scan documents, and apply for a loan all directly on your phone.
Aczel is a Licensed Mortgage Loan originator who has gone through extensive training as well as national and state exams. With a B.B.A in finance you can have the comfort of knowing that you are working with an educated professional to help you navigate through the loan process.
Aczel has a solid reputation of integrity, honesty and results. He believes in a strong work ethic and a dedication to unparalleled service. His assistance is prompt and thorough as he is very knowledgeable about mortgages and the home lending industry. He is often available in the evenings and on weekends and no question is too small for him to answer. Communication, respect, maintaining a positive attitude, and just doing the right thing for his clients are just some of the core values that set Aczel from the competition.
What people are saying about Aczel Rico
“I can’t thank Aczel enough. He is a true professional that provides exceptional customer service. He is extremely knowledgeable, well-informed, detailed oriented, and guides you every step of the way. He simplifies but explains the whole process. He is prompt to returning your calls, text, and emails. He answers any questions or concerns you may have and his character speaks volumes. He was highly recommended and from our first conversation, I could see why. He is truly the best of the best. I am so happy we got to work with him and my family thanks him for everything he is done for us. It was a true pleasure working with you.”
“We were fortunate to have Aczel work on our first mortgage. He was helpful, informative, and exceptional in managing our loan from start to finish. He always responded promptly to our calls, and was always available via text or email. Aczel made the process easy and I highly recommend him.”
“Aczel was very professional & informative throughout the entire process. Thanks to his expertise, initiative and superior customer service, we were able to close on our new home in 3 weeks. His due diligence and attention to detail made getting and securing a VA loan virtually painless. Highly recommend him! Thank you Aczel for your round the clock help & guidance.”
“My Real Estate agent referred me to Aczel Rico to expedite our loan. I could not thank him enough. He was extremely knowledgeable of the programs available to us. He patiently went over all the pros and cons of each scenario and answered all our questions timely and well prepared. What could have been a stressful situation was eased not only by the confidence and quality of his work, but his constant around the clock availability. I could not believe we received the clear to close from the bank in 14 days from contracts. Thank you Aczel for your guidance and assistance. I will recommend you to my friends and family looking to purchase or refinance. :-)”
“Aczel is one of the best and now the only mortgage broker I work with. He is very proactive and knowledgeable in his field and in the past year closed my last 3 loans for me. For more complicated projects or products don’t waste your time with anyone else. He makes a painful process virtually painful guiding you and supporting you the entire way from inception to closing.”
“Aczel has been every step of the way with Us from the first time we refinance 4years ago, we just refinace again to cut the years, and our experience can’t be much better, he has been cortageu, always ready to answer our questions , and also one phone call away, I will do it again if I have to , he and his company has been doin ok fast that we closed really fast, with no problem , I want to said more but I can’t find all the words for how grateful we are with Aczel and all the job that he has done for Us, I just want to said Thank youuuuu, you really are the BEST.”
“I had a tough deal on a jumbo high balance loan that come with strict guidelines as I was moving from a one family to a 2 family properties. Aczel guided and assisted me throughout the whole process and worked with all related parties day and night including weekends so we can finalize this deal. We finally was successfully able to close this very tough deal. It is not easy but he did it! I thanks him for everything and he is highly recommend!”
“Knowledgeable about the different mortgage products, explained the process in lay terms, always available to help and answer questions. I highly recommend Aczel Rico for any and all of your mortgage needs. He took me through a very difficult process on a construction loan with ease. Many blessings to you and your family!”
Mortgage Calculator with Taxes and Insurance
Use this calculator to generate an estimated amortization schedule for your current mortgage. Quickly see how much interest you could pay and your estimated principal balances. You can even determine the impact of any principal prepayments! Press the "Report" button for a full yearly or monthly amortization schedule.
Original or expected balance for your mortgage.
Term in years
The number of years over which you will repay this loan. The most common mortgage terms are 15 years and 30 years.
Annual fixed interest rate for this mortgage.
Monthly payment (PI)
Monthly principal and interest payment (PI).
Monthly payment (PITI)
Monthly payment including principal, interest, homeowners insurance and property taxes.
Annual property taxes
The annual amount you expect to pay in property taxes. This amount is divided by 12 to determine the monthly property tax included in PITI.
Annual home insurance
The annual amount you expect to pay in homeowners insurance. This amount is divided by 12 to determine the monthly home owners insurance included in PITI.
Total of all monthly payments over the full term of the mortgage. This total payment amount assumes that there are no prepayments of principal.
Total of all interest paid over the full term of the mortgage. This total interest amount assumes that there are no prepayments of principal.
The frequency of prepayment. The options are none, monthly, yearly and one-time payment.
Amount that will be prepaid on your mortgage. This amount will be applied to the mortgage principal balance, based on the prepayment type.
Start with payment
This is the payment number that your prepayments will begin with. For a one-time payment, this is the payment number that the single prepayment will be included in. All prepayments of principal are assumed to be received by your lender in time to be included in the following month’s interest calculation. If you choose to prepay with a one-time payment for payment number zero, the prepayment is assumed to happen before the first payment of the loan.
Total amount of interest you will save by prepaying your mortgage.
Choose how the report will display your payment schedule. Annually will summarize payments and balances by year. Monthly will show every payment for the entire term.
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Our success and foundation is built
around our Jet Direct Core Values:
Integrity is at the forefront of our standards. Maintaining honesty and transparency builds trust and relationships.
The pursuit of excellence is the stepping stone to our success. We consistently seek to be better, more knowledgeable, and more effective for ourselves and our clients.
For us, culture within our organization is achieved through a positive attitude and respect for one another. In turn, this gives our clients a better experience and provides better results.
We are dedicated to continually strive to surpass the expectations of our clients. We accomplish this by offering trusted advice, with a commitment to our client’s financial future.