The rate sheet in your hands.
Mortgage rates, terms, closing costs and options for your specific situation.
You choose the rate and the terms that work best for you.
It takes about a minute.
No need to talk to anyone until you're ready.
(843) 765-0000
solverya.com
prepared November 5, 2026
Welcome!
Explore your options
Choose one to get started
Get approved before you start shopping for a home.
Whether it’s your first home, your next home, or an investment property, I’m here to help you understand your options and what you can afford.
- These are live market interest rates. They are an estimate, not a commitment to lend.
- Your rate isn’t locked yet. It locks once you’ve sent us what we need to underwrite your loan and you choose to lock. Until then, pricing moves with the market every day, sometimes a few times a day.
- Your final rate and payment depend on the full picture: your actual credit score, your debt-to-income ratio, the final purchase price or payoff amount, and the property itself, including taxes, association dues, any special assessments and homeowners insurance.
- Everything quoted here is built from what you entered, not from a fixed assumption.
- Where we didn’t ask, we assume the standard: debts within guidelines, U.S. citizenship and normal reserves. Conventional mortgage insurance is included when it applies, and the FHA, VA or USDA upfront fee is financed.
- This is the most honest estimate we can give without your full file. Your Loan Estimate is the official figure.
- APR is an estimate from the pricing engine. Your Loan Estimate controls.
- Not everyone will qualify. We hope you will.
Educational, not a Loan Estimate or an approval. Look it over and see if it feels like your move. When you're ready, we'll take the next step together.
This live tool currently prices common purchase and refinance scenarios. Looking for a HELOC, second mortgage, bank-statement, DSCR, or another specialized program? We may have access even when the widget cannot price it yet. Call us and we'll help you sort through it.
Principal and interest only. Leave taxes and insurance out. Give it and every option shows what you save.
Pull your rates above and all five options land here automatically.
Enter your loan amount and at least one rate to see the comparison.
What you'll bring to closing
The costs behind every option (attorney, title, recording, escrows) moving live based on the option that you've selected.
Add the best figures you have for insurance, property taxes, and association dues. We use them for your complete monthly payment and closing estimate. Your escrow choice above is already reflected in your pricing.
Leave taxes blank and we estimate them from your scenario, no need to look them up. These monthly figures carry into your debt ratio and your readiness report, so you only give them once.
Enter your loan amount above and your closing costs build from the same numbers as your rate options.
Closing costs: every number traces to a source document. Educational. Your loan officer and closing attorney confirm exact figures.
- These are live market interest rates. They are an estimate, not a commitment to lend.
- Your rate isn’t locked yet. It locks once you’ve sent us what we need to underwrite your loan and you choose to lock. Until then, pricing moves with the market every day, sometimes a few times a day.
- Your final rate and payment depend on the full picture: your actual credit score, your debt-to-income ratio, the final purchase price or payoff amount, and the property itself, including taxes, association dues, any special assessments and homeowners insurance.
- Everything quoted here is built from what you entered, not from a fixed assumption.
- Where we didn’t ask, we assume the standard: debts within guidelines, U.S. citizenship and normal reserves. Conventional mortgage insurance is included when it applies, and the FHA, VA or USDA upfront fee is financed.
- This is the most honest estimate we can give without your full file. Your Loan Estimate is the official figure.
- APR is an estimate from the pricing engine. Your Loan Estimate controls.
- Not everyone will qualify. We hope you will.
Educational, not a Loan Estimate or an approval. Look it over and see if it feels like your move. When you're ready, we'll take the next step together.
Explore your options. Take your time.
Choose the rate and the options that work best for you. When you’re ready to move forward, select the Apply button.
The application walks you through questions that help build a personalized document checklist, so you know what to gather for underwriting. Whether I help you with your mortgage or you use another lender or bank, these tools are here to help you prepare and compare your rate options.
Ask Vera a question or explore the optional calculators if they’re useful to you.
Hi, I’m Jeff. I’m here to help.
I’ve been helping clients with their personal mortgages since 1996. Whether you’re just getting started or already have a home in mind, I’m here to help you understand your payment and your options, answer your questions, and explain what to expect along the way.
Take a look around and explore your rate options. When you’re ready, please give me a call. I’m happy to help and look forward to speaking with you.
Jeff Moran
NMLS #483943
Bluffton, South Carolina Branch NMLS #2812645
Licensed in
Alabama · Alaska · Arkansas · California · Georgia · Illinois · Kansas · Louisiana
Maine · Minnesota · Missouri · South Carolina · South Dakota · Wisconsin · Wyoming
Clear numbers. Personal help.
With access to more than 70 lenders, I’ll help you compare payments, upfront costs, and longer-term tradeoffs. If you need a HELOC, investment-property financing, or an option for self-employed income, call me and we’ll talk it through.
Getting ready to shop? I can review your credit and supporting financial information and provide a preapproval letter when your file supports it. Final approval remains subject to the property and underwriting. See how to prepare for your letter.
My fee is shown clearly on the closing cost estimator. Check your rates, and you can see your different options.
What my clients say on Google
5.0 out of 5 on Google
“Jeff is someone you can really trust and feel comfortable working with. He is always easy to talk to, super helpful, and if you have questions he will take his time and explain everything to you. You can tell he really cares about people and not just about doing business. I would definitely recommend Jeff to anyone looking for a broker they can trust.”
“We just moved into our new home in Bluffton thanks to Jeff! He helped us navigate the VA Loan process and locked our rate before interest rates started climbing. He knew exactly what our best case scenario was for our mortgage and achieved it. Very thankful to work with him and his team!”
“Jeff has been incredible to work with over the years. After completing several real estate transactions, my situation became much more complex with my recent purchase and Jeff was able to get me to the finish line stress free. His knowledge and attention to detail really makes the difference!”