“Tony took us through the process of buying our first home with the heart of a teacher. He helped us identify challenges before they came up and he was always there to answer any questions we had, which when you’re buying a home, is so important. He is enthusiastic and extremely knowledgeable about the mortgage lending business and his passion for helping clients is what separates him from his competitors. We actually went to other lenders before meeting Tony and their lack of follow up was astounding. Tony follows up, follows through and he delivers! I recommend him without hesitation.”
Welcome to my website. I’m looking forward to putting our mortgage services to work for you!
With over 21 years of mortgage originating experience, nothing gives me greater satisfaction than helping buyers choose the right financing to best suit their needs.
As a native New Yorker and licensed Loan Originator, I feel that I bring an added dimension of expertise to the real estate finance industry. Through prompt communication and a high commitment to serve my clients, my goal is to help them reach long term financial security for themselves as well as their families.
Jet Direct Mortgage offers the best mortgage tools available on the Internet – our Jet Direct Mobile mortgage app! Easy, convenient, online shopping for the best loan programs and most current rates available, plus, I will be here to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.
Purchasing a new home? Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you’re a first-time homebuyer.
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 from your mobile device.
Remodeling your home? If you are planning on remodeling your home – be it a kitchen, bathroom or backyard – I can help find the right loan for you.
Calculate your payments, apply online via your mobile device and more!
“Home buyers need friends to guide them through the process and Tony is nothing but the very best!! He took the time to listen, understand, and explain every detail that we needed to know and he prepared us for what to expect. He made himself available and was extremely patient. It was evident that he genuinely cared and was going out of his way to help us achieve our goals! Thank you, Tony!!!”
Great company, super helpful – made what is normally a stressful time into a comfortable experience. Referred my son to my loan officer Tony Auffant and will do the same for any friends and family who need a mortgage!
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.