Paul has been in the mortgage, real estate and financial industries for over 40 years. During this time, Paul has owned and operated a mortgage brokerage business; several real estate brokerage and property management companies; had run a small start-up mortgage bank and was a consultant/trainer for HUD and the credit union industry, specializing in the areas of budgeting, home ownership counseling and mortgage banking. Paul also holds an FHA-Direct Endorsed (DE) Underwriter’s designation, since 1994.
Also, during the late eighties and early nineties, Paul was responsible for the management and disposal of hundreds of bank-owned (R.E.O.) properties on Long Island for Citicorp Mortgage, Inc. and several other regional-size banks.
As a licensed Mortgage Loan Originator, Paul primarily focuses on folks purchasing their first home. He takes great pride in helping first time home buyers achieve their dreams of home ownership.
In addition to his Mortgage Loan Originators license, Paul holds Series 7 & 63 securities licenses, a NYS Insurance Agent’s license and a NYS Real Estate Broker’s license.
Paul lives with his wife in Island Park, New York and has two children and five grandchildren, who are the joy of his life…
Applying for a loan?
Our online application process is conveniently designed to allow you to stop any time and pick up where you left off. After you submit an application, you can check loan status at your convenience.
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:
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.