Premier Mortgage Resources
Loan options review · July 28, 2026
Prepared for Mr. and Mrs. Mullikin

Four smart ways to finance your new home

Compare the payment, rate structure, cash to close, and five-year tradeoffs of your available financing options. Nothing here is a decision — it's the whole picture, side by side.

Proposed offer
$509,990
Current asking price
$508,990
Options compared
4
Your loan officer
Tracy Goff
Loan Officer, Idaho
Premier Mortgage Resources
NMLS #112386
(208) 629-0606
The options

Side by side

Estimated monthly payments include principal, interest, property taxes, and homeowners insurance (PITI) — plus mortgage insurance where it applies.

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annual percentage rate (APR)
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Pros

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Consider

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Making the call

How to think about the decision

Monthly payment

Of the four scenarios shown, the Conventional 5/6 SOFR ARM carries a competitive monthly payment and the smallest five-year total.

Payment certainty

The Conventional 30-year fixed with a 2-1 buydown gives you early payment relief and a rate that never moves.

Qualification flexibility

FHA is worth a look when credit, debt-to-income ratio (DTI), or underwriting flexibility is the deciding factor.

Adjustable-rate loans can change after the initial five-year fixed period. Your final choice should reflect how long you expect to keep the home and the loan, how you feel about future payment changes, and whether refinancing is part of the plan.

Let's choose the option that fits your goals

Schedule a loan review with Tracy and we'll walk every line together.

Call (208) 629-0606
Loan scenario disclosures

Loan Scenario 1 is based on an FHA 30-year fixed loan with {{ downFha }} down. Loan Scenario 2 is based on an FHA 5/1 adjustable-rate loan with {{ downFha }} down. Loan Scenario 3 is based on a Conventional 30-year fixed loan with {{ downConv }} down. Loan Scenario 4 is based on a Conventional 5/6 SOFR adjustable-rate loan with {{ downConv }} down. Each scenario assumes a {{ creditScore }}+ credit score, a purchase price of $509,990, and a primary residence. Interest Rates and APRs are as of {{ ratesAsOf }} and may change based on current market conditions.

Monthly payments shown are estimated principal, interest, property taxes, and homeowners insurance (PITI), plus mortgage insurance where it applies. They do not include homeowners association (HOA) dues or other assessments, so your actual payment obligation may be greater. Temporary buydown payments apply only for the stated years and then step up to the full note-rate payment. Adjustable rates may increase after the initial fixed period.

Portions of this comparison were prepared with the assistance of artificial intelligence. AI-generated content can contain errors or omissions, so every figure here should be confirmed with your loan officer and against your official Loan Estimate before you make a decision.

Prepared for Mr. and Mrs. Mullikin. Proposed offer price: $509,990. Estimates dated {{ ratesAsOf }}. Obtain an official Loan Estimate before selecting a loan.