p:631.574.1306×672
m:631.196.1139

f:888.826.8438
Vichente Oprea
Sr. Loan Officer
NMLS#18932

Calculate mortgage options, scan documents, and apply for a loan all directly on your phone.

Welcome to my website. I’m looking forward to putting our mortgage services to work for you!

Jet Direct Mortgage offers the best mortgage tools around. 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.

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.

Applying for a loan? Our online application via the Jet Direct Mobile app 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.

What people are saying about Jet Direct Mortgage

Mortgage Calculator

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.

Javascript is required for this calculator. If you are using Internet Explorer, you may need to select to 'Allow Blocked Content' to view this calculator.



Mortgage amount

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.

Interest rate

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 payments

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 interest

Total of all interest paid over the full term of the mortgage. This total interest amount assumes that there are no prepayments of principal.

Prepayment type

The frequency of prepayment. The options are none, monthly, yearly and one-time payment.

Prepayment amount

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.

Savings

Total amount of interest you will save by prepaying your mortgage.

Report amortization

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.

CORE VALUES
Our success and foundation is built
around our Jet Direct Core Values:

Integrity

INTEGRITY

Integrity is at the forefront of our standards. Maintaining honesty and transparency builds trust and relationships.

Excellence

EXCELLENCE

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.

Culture

CULTURE

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.

Dedication

DEDICATION

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.