Do you also handle the real estate side?

No. I am a loan officer, so my focus is entirely on the financing. I work alongside whichever real estate agent you choose and keep the loan moving with them.

What kinds of loans can we discuss?

Common options include conventional, FHA, VA, jumbo, purchase, and refinance programs. Availability, eligibility, and terms vary by borrower, property, and location.

Do I need to be ready to buy right now?

No. An early conversation can help you understand timing, credit, cash needs, and next steps before you are ready to make an offer.

What is the best way to begin?

Choose your path below or call me directly. A short conversation is enough to identify the most useful next step.

Free Mortgage Tools | Wilson Pibernus

Useful tools. Human context.

Estimate a starting point, explore common loan paths, then bring the real-life details into the conversation.

Different goals need different structures.

There is no universal "best" loan. The right place to start depends on the borrower, property, timing, and long-term plan.

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Monthly payment estimate

Home price

Down payment

Interest rate (your assumption)

Loan term

Taxes, insurance & dues

Annual property tax

Annual home insurance

Monthly HOA dues

Credit tier (sets PMI)

PMI applies when the loan-to-value ratio is above 80%. It can typically be removed at 80% LTV.

Estimated total monthly payment$4,614/mo

Principal & interest$3,792
Property tax$688
Home insurance$133
PMI$0
VA funding fee (financed)$0
HOA dues$0

Estimated loan amount$600,000

Illustration only. Not an offer, rate quote, APR, or commitment to lend. Taxes, insurance, and PMI are your own assumptions, not quoted figures; this estimate excludes closing costs and other charges. Actual payment and eligibility vary.

You are not buying the house yet.
You are buying the loan.

Every payment in your scenario, split into what goes to the house and what goes to interest. The whole box is what you hand over, so its size is the money. Change the term and watch it change shape.

InterestYour house

The payment that flips0

Interest over the loan$0

Total handed over$0

Principal and interest only, on the scenario you set above. Illustration, not an offer, quote, APR, or commitment to lend. Real loans include taxes, insurance, and other costs, and few people keep a mortgage for its full term.

Every rate since 1971.
Twenty of them are mine.

The 30-year fixed average, month by month. Drag across it to see what the estimate above would have cost in any market I have worked through.

MarketJul 2026

30-year fixed average6.46%

Your estimate at that rate$0/mo

vs. todayToday

Historical national averages from Freddie Mac's Primary Mortgage Market Survey (via FRED, updated 2026-07-15). These are past market averages, not rates offered, available, or obtainable, and not an offer, quote, APR, or prediction. Your rate depends on credit, property, loan program, and the market when you lock.

You don't remember your rate.
You remember when.

So start there. Pick the month you closed and this begins from that month's market average, then shows what today would do to the payment and how long it takes to pay for itself.

When did you close? Jul 2023 · market average 6.84%

Your rate (from that month, editable)

Current loan balance

Original term

New rate (your assumption)

New term

Closing costs (replace with your quote)

Estimated monthly saving$0/mo

Payment now (P&I)$0
Payment after (P&I)$0
Time left on it now0 yrs

Interest over the life of the loan$0

Illustration only, built from your own inputs and a historical market average. Not an offer, quote, APR, or commitment to lend, and not advice to refinance. It ignores taxes, insurance, mortgage insurance, cash out, and the way a new loan resets amortisation. Whether a refinance makes sense depends on how long you keep the home and what you actually qualify for.

Useful tools. Human context.

Different goals need different structures.

Monthly payment estimate

You are not buying the house yet.You are buying the loan.

Every rate since 1971.Twenty of them are mine.

You don't remember your rate.You remember when.

You are not buying the house yet.
You are buying the loan.

Every rate since 1971.
Twenty of them are mine.

You don't remember your rate.
You remember when.