Larry Bonner Home Loans nmls#1964375- Amerifund

Larry Bonner Home Loans nmls#1964375- Amerifund Larry Bonner Home Loans Nmls #1964375
The Mortgage Calculator Company LLC

With over 10 years of lending experience, I will guide you through the process of finding the best mortgage loan for your specific needs. Whether you are looking to refinance your mortgage, purchase a home or looking for an investment property, let me help you achieve your goals. I'm based in Phoenix but if you have a mortgage need any where in the great state of Arizona I can help you. Regardle

ss of your mortgage needs whether its purchase or refinance, Conventional, VA, Jumbo, FHA I will work with you to find the best rate and product for your needs.

We offer mortgage assistance for people from all walks of life. It doesn’t matter where you came from, or where you're g...
09/17/2025

We offer mortgage assistance for people from all walks of life.

It doesn’t matter where you came from, or where you're going – all that matters is that we can help you get over the hill and through to the other side.

Other lenders may try to include hidden fees, prepayment penalties, or other tricky features that just don't seem honest.

But if you give us a call or shoot us a message, we’ll be happy to get you the assistance you need, in full transparency, and with no strings attached.

Because everybody needs a helping hand from time to time, and we want to see you succeed in building your best life :)

Woe to inflation!We are here to ease your mind about your mortgage payments, and get you through to the other side! Give...
09/16/2025

Woe to inflation!

We are here to ease your mind about your mortgage payments, and get you through to the other side! Give us a call today to see how we may be able to help your combat the unsavory conditions of today’s market :)

Debtception! One thing you should avoid at all costs, is taking out a loan to cover pre existing debt. If you feel like ...
09/13/2025

Debtception!

One thing you should avoid at all costs, is taking out a loan to cover pre existing debt.

If you feel like it's your only option, we strongly recommend you calculate your “debt to income ratio” first.

The calculation goes as follows:

1) Add up all your monthly debt payments
2) Divide them by your gross monthly income

If you fall above 43%, you should strongly consider finding another option.

Because when taking out a loan to pay off debt, it's never tit for tat – you’ll have to pay it back, and then some!

Everybody has that one thing that they wish they could buy, but can’t afford… If you could be instantly approved for a 0...
09/10/2025

Everybody has that one thing that they wish they could buy, but can’t afford…

If you could be instantly approved for a 0% interest loan, what would you use it for?

Closing costs? You’ve gotta be kidding me…So you've been paying your mortgage for years and years, and finally the end i...
09/09/2025

Closing costs? You’ve gotta be kidding me…

So you've been paying your mortgage for years and years, and finally the end is in sight.

Then BOOM! It hits you – you’re reminded that you need to pay closing costs as you finish up your loan.

What a bummer.

Here’s what may be taken into account when the closing costs are being decided:

-A survey fee paid to verify property boundaries
-A flood certification fee to ensure the property is not in a flood zone
-The title search fee to check the history of the property, ensuring there are no legal claims on it
-Attorney costs associated with closing the loan
-Recording and transfer costs—a fee paid for recording the purchase of your home
-Loan preparation fees, being a percentage of the overall loan amount
-Escrow accounts, including private mortgage insurance (PMI), homeowner’s insurance, and property taxes

A lot goes into buying a house, so make sure you do your research and prepare yourself – with enough planning, you too can own the home of your dreams!

FRM’s vs. ARM’s?No, it's not a wrestling match you can catch on pay-per-view. It's the difference between Fixed-rate mor...
09/05/2025

FRM’s vs. ARM’s?

No, it's not a wrestling match you can catch on pay-per-view.

It's the difference between Fixed-rate mortgages and Adjustable-rate mortgages.

Alright then… So what's the difference?

A fixed-rate mortgage is set in place and cannot change over the whole life of a loan. When you consider that most loans are split into 15 or 30 year plans, that's a pretty big commitment!

An adjustable-rate mortgage can have its interest rate go up or down during specific adjustment periods.

Maybe you get in at the right time, lock in the FRM right before inflation drives the rates up… or maybe you are getting a mortgage in a time of economic struggle, and you like the idea of the rate getting better over time.

The choice is yours… Choose wisely!

We find great fulfillment and satisfaction knowing that we are giving the people of our community the opportunity to mov...
09/03/2025

We find great fulfillment and satisfaction knowing that we are giving the people of our community the opportunity to move forward with their lives without the worry of losing their homes.
The sincerest thanks to every one of you for your business and for your trust!

For the younger homeowners out there…What do you call someone who mails their mortgage statements?Post Malone ;)
09/01/2025

For the younger homeowners out there…

What do you call someone who mails their mortgage statements?

Post Malone ;)

Which decision would you make?Pay off your loan over 10 years at 3% interest, and have less day-to-day spending cash?ORP...
08/29/2025

Which decision would you make?

Pay off your loan over 10 years at 3% interest, and have less day-to-day spending cash?

OR

Pay off your loan over 30 years at 4% interest, spending more in total on interest but having more day-to-day spending cash?

There is no one correct answer, as it all depends on your personal situation and lifestyle. We’d love to know what decision you’d make!

We all get by with a little help from our friends :)That's why we are here for you when you need a bit of extra cash to ...
08/27/2025

We all get by with a little help from our friends :)

That's why we are here for you when you need a bit of extra cash to make your dreams come true.

The last time you took out a loan, what was it for, and was it worth it?

Who do you talk to to get out of debt? Mortgage Freeman…
08/25/2025

Who do you talk to to get out of debt?

Mortgage Freeman…

Mortgage mania!For most people, the best option for buying a house is to take out a mortgage. But what exactly does that...
08/23/2025

Mortgage mania!

For most people, the best option for buying a house is to take out a mortgage. But what exactly does that mean?

A mortgage is the agreement between you and a lender, which gives the lender the right to take your property if you are unable to repay the borrowed amount plus interest.

I know, right? Pretty heavy.

So it's very important that you take the time to get yourself the best deal possible! Here are a few things to look out for when taking out a mortgage:

-The size of the loan
-The interest rate
-The closing costs of the loan
-The lender's fees
-The Annual Percentage Rate (APR)
-The type of interest rate and whether it can change (fixed vs. adjustable?)
-The loan term (how long you have to repay the loan)
-Whether the loan has a prepayment penalty, a balloon clause, an interest-only feature, or negative amortization

Being educated about your decision is the first step to ensuring that you will be able to pay it off and own the house of your dreams!

Happy hunting!

Address

2125 BISCAYNE Boulevard SUITE 220
Miami, FL
33137

Telephone

+16024020497

Website

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