President / CEO
Mortgage Loan Originator
NMLS #905172
Accelerating You Toward Smarter Home Financing.
Loan Velocity combines military precision with mortgage expertise to deliver honest guidance, efficient closings, and wholesale rates—without compromise.
Your hometown mortgage experts!
Most people find that mortgage financing is complicated and confusing. We help you buy your dream home by simplifying the mortgage financing process with personalized loan options that save you time and money.
First-Time Home Buyers
Buying your first home? We offer the guidance you need to get started.
Mortgage Walkthrough Guide
Get educated! Learn exactly what occurs in every step throughout the mortgage process.
Mortgage Calculator
How much can you afford? What does that monthly payment look like? Find out here.
Home Loan Options
We’re here to help you figure out which mortgage best fits your unique financial picture.
Get started with one of our free tools!
Meet Our Team
Why work with us?
Choosing the right mortgage partner matters. At Loan Velocity, we combine veteran discipline, decades of experience, and unwavering integrity to deliver a smarter, smoother lending experience focused entirely on your success.
- Veteran-Owned & Mission-Driven — Discipline, accountability, and service guide every loan we handle.
- Honesty & Integrity First — Transparent advice with no shortcuts, ever.
- Wholesale Rates, Low Fees — We fight to secure the best pricing possible for our clients.
- 100+ Years of Experience — Proven expertise you can trust from application to closing.
- Stress-Free Process — Efficient, clear, and focused on your success.
Does renting or buying a home make more sense? Check out what is best for you by using our Rent vs Buy Calculator...
Our mortgage calculators are for demonstration purposes only and may not reflect actual numbers for your specific mortgage. Contact us and we will walk you through the best possible mortgage scenario for your specific needs!
Buying is cheaper than renting after
If you buy a house, after 3 years it will cost you $58 more per month and $5000 more in total than if you had rented.
But you will own in equity of your home with an appreciated value of .
If you buy a house, after 3 years you will have saved $58 per month and $5000 in total than if you had rented.
You will also own in equity of your home with an appreciated value of .
Buying will never be cheaper than renting
Home equity after
1 year
years
TOTAL COST
YEARS
Costs over
Monthly Cost (after )
Yearly Cost (after )
Total Cost (after )
Rent
Buy
Difference
$0
$0
$0
Rent
Buy
Difference
$3,019
$92,453
$89,434
Rent
Buy
Difference
$3,019
$92,453
$89,434
Estimated Costs
These costs are estimated based on the information under the advanced section. You may adjust these values to suit your particular situation in order to get a more accurate estimate.
Monthly mortgage payments
$
Homeowner's insurance
$
Private Mortgage Insurance
$
HOA dues
$
Property tax
$
Home repairs
$
Renovations
$
Closing costs
$
Yearly rent increase
%
Rental insurance
$
How We Calculate the Costs
Calculating the Cost of Renting
The cost of renting is relatively straightforward to calculate. It primarily includes your monthly rent payments and a few additional expenses:
- Monthly rent payments
- Security deposit (typically equal to one month's rent)
- Renters insurance (annual premium)
- Down payment
- Closing costs (typically 2-5% of the home's value)
- Monthly mortgage payments (principal and interest)
- Property taxes
- Homeowners insurance
- Private Mortgage Insurance (PMI) if applicable
- HOA fees (if applicable)
- Maintenance and repairs
- Home improvements and renovations
- Annual home appreciation rate: %
- Annual rent increase: %
- Renters insurance: $ per year
- Home maintenance and repairs: % of home value per year
- Home improvements and renovations: % of home value per year
- Selling costs when you sell the home: % of home value
