AUCTUS MORTGAGE SOLUTIONS · ORLANDO, FLORIDA

More Options.
More Ways Home.

The right mortgage starts with understanding your complete financial picture. At Auctus Mortgage Solutions, we take the time to ask the right questions, explore available options and create a financing strategy built around your goals.

Whether you’re buying your first home, investing in real estate or navigating a situation that doesn’t fit traditional lending guidelines, we’re here to help you understand what’s possible, what comes next, and assist with funding the life you’re building.

Apply Now How much can I afford?

Auctus Mortgage Solutions · Company NMLS #2743323

Toni Contreras, founder and loan originator at Auctus Mortgage Solutions

Founder & Loan OriginatorToni Contreras · NMLS #1977894

★★★★★4.9/5

“As a busy mom, buying our first home felt overwhelming. The team at Auctus Mortgage Solutions made everything so much easier than I expected.”

— Samantha D. · 5-star Google review

Find your home.
Know your payment.

Explore an estimated monthly payment and the cash you may need to close before you make an offer.

Estimate your payment

LESS GUESSWORK. MORE CLARITY.

The purchase price is one number.
Your payment is another.

Change the price, down payment and costs to estimate a monthly payment.

MARKET BENCHMARKS

Daily mortgage rate indexes

The calculator uses Optimal Blue’s national conventional or FHA 30-year fixed index, published by FRED, based on your selection. New observations usually arrive on business days and can be delayed. These are national averages, not rates tailored to your credit, loan size or points.

See the indexes and methodology Check the latest daily average at Mortgage News Daily

7.244%

30-year conventional · September 24, 2026

Latest published observation available; the live feed may be delayed.

30-year FHA6.952%September 24, 2026

National market indexes, not Auctus rates, personalized quotes. Rates may change without notice. Your actual rate and terms depend on credit profile, loan program and type, down payment, property, points, fees, lock timing and underwriting. Not an offer or commitment to lend.

Home price ($)Down payment ($)

3.5% down · $392,755 total loanFHA upfront MIP of $6,755 (1.75%) is financed into the loan.Interest rate (%)FHA · 2026-09-24 · editable Daily ratesLoan term (years)Property taxes ($ / year)Suggested: 1.2% of price per year. Home insurance ($ / year)Suggested: 0.6% of price per year. HOA ($ / month)FHA mortgage insurance ($ / month)FHA example: monthly MIP uses an illustrative 0.55% annual rate on the base loan; the 1.75% upfront MIP is financed into the loan amount. About mortgage insurance

Illustrative FHA with 3.5% down. The 30-year rate uses the latest available national FHA or conventional index. It is not an Auctus rate or quote. Rates may change without notice and depend on credit profile, loan program and type, down payment, property, points, fees, lock timing and lender underwriting. Property taxes start at 1.2% and home insurance at 0.6% of the purchase price per year; both can be edited. Mortgage insurance is illustrative when shown. Actual taxes, insurance, rates, costs and eligibility vary. This calculator is for education only, not an offer, quote, approval, Loan Estimate or commitment to lend. FHA upfront MIP of 1.75% of the base loan is included in the financed loan amount shown above.

Downloads an estimate you can save, print or share.

YOUR ESTIMATED MONTHLY PAYMENT

$3,377 / mo

Principal & interest$2,600

Property taxes$400

Homeowners insurance$200

HOA dues$0

Mortgage insurance$177

APPROXIMATE CASH TO CLOSE$30,000

Down payment$14,000

Estimated closing costs (4%)$16,000

Planning estimate: down payment plus 4% of the purchase price for closing costs and prepaid items. FHA upfront MIP is included in the loan above, not added to cash to close here. Final figures vary.

For education only. Rates may change with market conditions, credit profile, loan program and type, down payment and underwriting. This estimate is not a personalized rate quote, Loan Estimate, offer, approval or commitment to lend.

Want a personalized quote? Get in touch

INCOME + DEBTS

How much can I afford?

Income sets the starting point. Existing monthly debt payments can reduce the housing payment available. Change the numbers to see the effect.

Annual gross income ($)Existing monthly debt payments ($)

Include required payments on credit cards, car loans and student loans. Do not add the new mortgage here.

45% housing (front-end ratio)$3,188

55% total (back-end ratio) minus existing debts$3,446

Lower of the two: illustrative housing limit$3,188 / month

For the $400,000 home above, the estimated payment is $3,377 per month. Housing ratio: 47.7%. Total ratio with existing debts: 54.0%.

Above this illustration

Approximate home price using the current assumptions$377,000

Uses the calculator’s down payment percentage, rate, term and HOA. It scales the annual tax and insurance amounts you entered with the home price when estimating another home. Actual costs vary; closing costs are not included.

For this FHA example, 45% housing and 55% total debt are illustration settings. Actual eligibility depends on underwriting and verified details; these figures do not guarantee preapproval. HUD FHA handbook

Prefer to start with a soft credit check? Ask our team if it’s available for your situation. A full mortgage application may require a hard inquiry.

REVIEWS