How to Calculate Your Debt-to-Income Ratio (DTI)
DTI is the proportion of your debt commitments relative to your monthly gross income. Lenders scrutinize this ratio to ensure you’re not burdened with excessive debt.
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Welcome to Palmetto Mortgage Experts—your concierge for seamless home financing tailored to your needs.
Your Team
Charles Berkeley
(831) 238-5515
NMLS #2740674
Today's Rates
30-Year Fixed
6.875% 15-Year Fixed
6.125% 5/1 ARM
6.250% 6.9% 6.6% 6.4%
Your Updates
Pre-Approval Complete
Approved for $425,000
Mortgage Application In Progress
123 Main St, Springfield, USA
75% complete
- Jumbo
- HELOC
- Conventional
- FHA
- USDA
- Purchase
- Self Employed
- Down Payment Assistance
- Refinance
- Non-QM
- Jumbo
- HELOC
- Conventional
- FHA
- USDA
- Purchase
- Self Employed
- Down Payment Assistance
- Refinance
- Non-QM
- Jumbo
- HELOC
- Conventional
- FHA
- USDA
- Purchase
- Self Employed
- Down Payment Assistance
- Refinance
- Non-QM
A seamless process
Explore your options
Discover the range of mortgage products tailored to your needs and financial situation.
Submit your application
Complete and submit your mortgage application online with guidance from our expert team.
Close with ease
Enjoy a streamlined closing process with digital tools and expert support, making finalizing your mortgage quick and hassle-free
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Get Started- Streamlined.
- Everything you need in one place, from start to finish.
- Transparent.
- No hidden fees or teaser pricing. Ever.
- Fast.
- Modern tools and automation move your loan forward quickly, cutting delays, reducing paperwork, and keeping everyone in sync.
- Marketplace.
- Thousands of home financing options that can fit your needs.
Financing Partnership, the Way It Should Be
How to Get a Mortgage Pre-Approval
Getting a pre-approval helps buyers feel confident going into the home buying process and shows sellers that you’re a serious and qualified buyer.
How to Calculate Your Mortgage Payment
Mortgage monthly payments are determined by loan amount, principal, interest, term and more. Calculate monthly payment to determine exactly what you can afford.
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Our Clients
“Strongly recommend Morty. Fast service, professional, low rates. I will never shop for a loan elsewhere.”
Phi T
“Best lender I've ever had. Very communicative, quick, and easy to get a hold of when you need to. I like that you can see exactly what step everything is on on their site. They seemed to always be on top of their stuff.”
Lindsey S
“I was able to lock in the best rate for my loan and I was cleared to close well ahead of my set closing date. [They] helped me fully understand the terms of the loan and [were] available constantly to answer my questions.”
Nathalie S
“I'm SOLD. They followed me all the way to closing and their online stage-by-stage guide was very easy to understand and I could do 100% by online signature. GAME CHANGER!”
Israel K
Mortgage Rates Today
We search thousands of loan options so you don't have to! Find the most competitive rates here including: 15, 20 and 30-year fixed rates, 10/6, 7/6 and 5/6 ARMs, FHA, Jumbo, low down payment options and more. Create an account to customize your loan options and track daily interest rates.