THE FUTURE OF HOME LENDING

WELCOME TO SRK CAPITAL

Free Tool

Enhanced Mortgage Calculator

Get instant mortgage eligibility results without sharing personal financial data. Find your best loan choices in minutes.

2025 Mortgage Rate Tool

SRK CAPITAL’s enhanced mortgage calculators provide personalized loan estimates based on current market rates. Compare loan types, terms, and monthly payments to find your ideal mortgage solution.

Purchase

Home Purchase Loans

Find competitive mortgage rates for your new home lending choices from SRK CAPITAL.

A Better Home Lending Experience

Whether it’s the newest home loans, unbeatable loan prices, or unmatched service, SRK CAPITAL has you covered. Our licensed loan officers help find the best home loans for you and your family nationwide.

Save Money

Refinance with SRK CAPITAL

Lower your monthly payments, reduce your loan term, or tap into home equity with our competitive refinance rates.

Smart Refinancing Solutions

Our refinancing experts review your current loan terms and financial goals to find the perfect solution. Whether you’re looking to lower your monthly payments, pay off your home faster, or access your equity for home improvements, our team guides you through every step of the refinance process.

Professionals

Partner With SRK CAPITAL

Real estate professionals gain access to fast pre-approvals, competitive rates, and dedicated support for your clients.

Professional Partnership Benefits

Industry professionals and real estate agents who partner with SRK CAPITAL enjoy exclusive access to our rapid pre-approval system, competitive loan products, and personalized marketing support. Our dedicated team provides the resources you need to offer seamless mortgage experiences for your clients.

SRK CAPITAL Enhanced Mortgage Calculator

Property Details

Tell us about the home you’re buying and associated costs

Quick Affordability Check (2025 Guidelines)

Max Home Price: $350,000
Monthly Payment: $2,333
Down Payment Needed: $17,500
Cash to Close: $28,000

Cash Requirements Summary

Down Payment: $60,000
Closing Costs: $9,000
Reserves (2 months): $4,400
Total Cash Needed: $73,400
Complete property details to continue

Loan Terms & Options

Configure your mortgage details and explore rate options

Rate Information Coming Next
Don’t worry about rates right now! In the next step, you’ll see current market rates for different loan programs (Conventional, FHA, VA, USDA) and can choose the best option for your situation.

Rate Impact Analysis

Calculations based on current loan amount and estimated market rates. Enter your quoted rate above for personalized results.
Current Payment: $1,799
0.25% Lower Rate: $1,724
0.25% Higher Rate: $1,876
Monthly Difference: ±$77

Term Comparison

Shows payment differences between 30-year and 15-year terms using your current loan amount and rate.
30-Year Payment: $1,799
15-Year Payment: $2,654
Interest Saved (15yr): $185,420
Monthly Difference: +$855

Income & Background

Help us understand your financial situation and military service

Loan Qualification Checklist

✓
Income Verification
Provide proof of steady income for the past 2 years (2025: W-2s, pay stubs, tax returns)
✓
Debt-to-Income Check
2025 guidelines: 28% housing, 36% total ideal; up to 50% with compensating factors
✓
Down Payment Ready
Meet minimum down payment for chosen program (3% conventional, 3.5% FHA, 0% VA/USDA)
✓
Credit Score Review
2025: 760+ best rates, 620+ conventional, 580+ FHA, no minimum VA (but 620+ typical)

Choose Your Loan Program

Based on your property and financial details, select the best mortgage program

2025 Mortgage Education Center

2025 Loan Limits
Conforming: $806,500 (+5.2%)
FHA: $1,209,750 ceiling
Jumbo: Above $806,500
DTI Guidelines
Housing: 28% ideal, 50% max
Total Debt: 36% ideal, 43% max
USDA: 34% front-end (up from 29%)
Credit Impact
760+: Best rates & lowest PMI
680-739: Good rates available
620-679: Higher rates & PMI
PMI Changes
FHA: 0.55% annual (down from 0.85%)
Conventional: 0.46-1.50% annually
Cancels at 78% LTV

Your Results

Here’s your complete mortgage breakdown and affordability analysis

Monthly Payment: $2,365.65
30-year fixed mortgage at 6.85%
Total Interest: $347,340 over life of loan
Principal & Interest
$1,798.65
Property Tax
$300.00
Insurance + PMI
$267.00
HOA Fees
$0.00

Housing Ratio

Housing costs vs income 28%
Excellent! You’re spending 28% of income on housing (ideal: under 28%).

Total Debt Ratio

All debts vs income 34%
Excellent! You’re spending 34% of income on all debts (ideal: under 36%).

Cash Analysis

Cash Required: $73,400
PMI Removal: 6.8 years
Total Interest: $347,340

Smart Tips

Rate Impact: Every 0.25% rate difference changes payment by ~$75/month on $300K loan
20% Down Benefit: Eliminates PMI ($167/month) + better rates + stronger offers
15-Year Savings: Pay ~$185K less interest but $855/month higher payment
2025 Update: Loan limits increased 5.2% – max $806,500 conforming

Important Disclosures

TILA Compliance Notice
This calculator provides estimates for informational purposes only. Actual loan terms, payments, and APR may vary based on credit approval, property appraisal, and final loan program selected.
© 2025 SRK CAPITAL. All calculations are estimates and subject to change. Privacy Policy | Licensing & Disclosures | NMLS #2043372 | DRE #01961971
Start Loan Application

Current Market Interest Rates

Interest rate market trends available through Optimal Blue:

Interactive Mortgage Rate Widget

Loading current mortgage rate trends…

Rates are subject to change without notice and may vary based on credit score, loan amount, and other factors.

Resources to Help You Make Informed Decisions

Payment Calculator

Estimate your monthly payments based on current rates

FinanceApplication Any

Down Payment Tips

Learn strategies to save for your down payment

Strategic Refinancing

Find out if refinancing could benefit your financial position

Understanding ARM Loan Features and Benefits

Understanding ARM Loan Features & Benefits

SRK CAPITAL AI

SRK CAPITAL AI

Navigating 7% Interest Rates

Strategies to Tackle 7% Mortgage Rates

Down Payment Assistance Programs

California Down Payment Assistance: Unlocking Homeownership | SRK CAPITAL

Commonly Asked Questions

Have a question in mind? Find answers to the most common queries below.

Our pre-approval process will help find out how much you qualify for. It is based on your income, credit score, and your financial goals.

The higher the chance you can make your mortgage payments, typically the better interest rate you’ll get. What helps decide that?

1. Your credit score, because it shows how well you manage debt and pay your bills.

2. How much debt you have versus your income. A lender wants to make sure you sure your current budget can afford a home.

Interest rate is the percentage you pay to borrow money for a home loan. There are also fees and expenses charged for getting a mortgage. Most people add these to their loan and pay for them over time with their mortgage payment.

Hence, those two things together equal APR, or annual percentage rate. The math looks like this

6.75% APR – 6.5% interest rate = .25% for fees and expenses.

One discount point costs 1% of your total home loan amount.

SRK CAPITAL provides financing for all types of properties, including single-family homes, condos, high-priced properties, and investment properties.

A mortgage point, sometimes called a discount point, is a one-time fee you pay when you get your mortgage. Specifically, mortgage points lower the interest rate on you buy a home or refinance. Here are the key things to know.

  • One discount point costs 1% of your total home loan amount.
  • A lower rate means you’ll pay less interest. But paying points does not always make sense depending on your individual situation.

Yes! We offer loan programs that help buyers that need a lower down payment, as well as zero percent down choices.

With our efficient loan processes and strong lender relationships, most loans can close in as little as 14 days.

SRK CAPITAL is located in Orange County, CA. We work out the California office that is located at 1805 E Garry Ave, Santa Ana, CA 92705. Besides California, our team has active NMLS licenses in:

  • Alabama
  • Arizona
  • Colorado
  • Florida
  • Hawaii
  • Idaho
  • Montana
  • Nevada
  • Oregon
  • Pennsylvania
  • South Dakota
  • Tennessee
  • Texas
  • Washington
  • Wyoming

Bespoke
Loan Programs

Home mortgage loans just got so much easier.

Our home mortgage loans are fully personalized so that they fit your unique financial needs and qualifications. Whether you are buying a home or refinancing, we make sure your loan aligns with your personal financial goals. You can enjoy the comfort of knowing you are getting the best loan choice, whenever you go with SRK CAPITAL.

Client Success Stories

“

We are first time home buyers, and working with Kai was such a great experience! He made sure the process was as smooth as possible. He guided us through every step with clear communication and attention to detail.

Junyao F.
First-time Buyer
“

Sebastian and Kai are OUTSTANDING! They went above and beyond to make buying our first home experience easy and straightforward. They are very knowledgeable and offer excellent service!

Suzanne M.
Satisfied Customer
“

The SRK CAPITAL team is an absolute pleasure to do business with. They were always very responsive, helped us with a short 17 day close of escrow, and exceeded all expectations!

Jules W.
Business Partner

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