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Richard Bettencourt
President
Veteran Mortgage Brokers

"The VA Guy" | NMLS:7810

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NMLS: 7810 | Company NMLS: 1828485 Licensed in: MA, NH, FL, ME, CT MA Lic: MB1828485 | NH: 26267-MBR | FL: MBR6162 | ME: 1828485 | CT: MB-1828485 Mortgage Broker Only | We arrange but do not make loans | MORTGAGE BROKER ONLY, NOT MORTGAGE LENDER OR CORRESPONDENT MORTGAGE LENDER | https://www.nmlsconsumeraccess.org
NMLS: 7810 | Company NMLS: 1828485 Licensed in: MA, NH, FL, ME, CT MA Lic: MB1828485 | NH: 26267-MBR | FL: MBR6162 | ME: 1828485 | CT: MB-1828485 Mortgage Broker Only | We arrange but do not make loans | MORTGAGE BROKER ONLY, NOT MORTGAGE LENDER OR CORRESPONDENT MORTGAGE LENDER | https://www.nmlsconsumeraccess.org
NMLS: 7810 | Company NMLS: 1828485 Licensed in: MA, NH, FL, ME, CT MA Lic: MB1828485 | NH: 26267-MBR | FL: MBR6162 | ME: 1828485 | CT: MB-1828485 Mortgage Broker Only | We arrange but do not make loans | MORTGAGE BROKER ONLY, NOT MORTGAGE LENDER OR CORRESPONDENT MORTGAGE LENDER | https://www.nmlsconsumeraccess.org
Historical Primary Mortgage Market Survey® data provided by Freddie Mac
Important Disclosure

NMLS: 7810 | Company NMLS: 1828485 Licensed in: MA, NH, FL, ME, CT MA Lic: MB1828485 | NH: 26267-MBR | FL: MBR6162 | ME: 1828485 | CT: MB-1828485 Mortgage Broker Only | We arrange but do not make loans | MORTGAGE BROKER ONLY, NOT MORTGAGE LENDER OR CORRESPONDENT MORTGAGE LENDER | https://www.nmlsconsumeraccess.org
Freddie Mac PMMS® data is provided "as is," with no warranties of any kind, express or implied, including, but not limited to, warranties of accuracy or implied warranties of merchantability or fitness for a particular purpose. Not all borrowers will qualify. Use of the data is at the user's sole risk. This chart is for illustrative purposes only. This is not a commitment to lend. Not all borrowers will qualify. These are the current national mortgage rates on popular loan products. Rates shown are not available in all states or to all borrowers.
NMLS: 7810 | Company NMLS: 1828485 Licensed in: MA, NH, FL, ME, CT MA Lic: MB1828485 | NH: 26267-MBR | FL: MBR6162 | ME: 1828485 | CT: MB-1828485 Mortgage Broker Only | We arrange but do not make loans | MORTGAGE BROKER ONLY, NOT MORTGAGE LENDER OR CORRESPONDENT MORTGAGE LENDER | https://www.nmlsconsumeraccess.org
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NMLS: 7810 | Company NMLS: 1828485 Licensed in: MA, NH, FL, ME, CT MA Lic: MB1828485 | NH: 26267-MBR | FL: MBR6162 | ME: 1828485 | CT: MB-1828485 Mortgage Broker Only | We arrange but do not make loans | MORTGAGE BROKER ONLY, NOT MORTGAGE LENDER OR CORRESPONDENT MORTGAGE LENDER | https://www.nmlsconsumeraccess.org
NMLS: 7810 | Company NMLS: 1828485 Licensed in: MA, NH, FL, ME, CT MA Lic: MB1828485 | NH: 26267-MBR | FL: MBR6162 | ME: 1828485 | CT: MB-1828485 Mortgage Broker Only | We arrange but do not make loans | MORTGAGE BROKER ONLY, NOT MORTGAGE LENDER OR CORRESPONDENT MORTGAGE LENDER | https://www.nmlsconsumeraccess.org
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Richard Bettencourt

President

Veteran Mortgage Brokers

"The VA Guy" | NMLS:7810

NMLS: 7810 | Company NMLS: 1828485 Licensed in: MA, NH, FL, ME, CT MA Lic: MB1828485 | NH: 26267-MBR | FL: MBR6162 | ME: 1828485 | CT: MB-1828485 Mortgage Broker Only | We arrange but do not make loans | MORTGAGE BROKER ONLY, NOT MORTGAGE LENDER OR CORRESPONDENT MORTGAGE LENDER | https://www.nmlsconsumeraccess.org
Mortgage Calculator
CONV FHA VA USDA
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This is not a commitment to lend. Not all borrowers will qualify. This is for illustrative purposes only and estimates are based on information you provided. Interest rates, mortgage insurance rates, and programs are subject to credit approval and available rates and terms will vary, sometimes drastically, based on borrower eligibility and program selected. For accurate interest rates and mortgage insurance rates please contact your sales consultant. For illustrative purposes FHA/VA and USDA loan amounts will include an estimate for the financed upfront MI amount.
NMLS: 7810 | Company NMLS: 1828485 Licensed in: MA, NH, FL, ME, CT MA Lic: MB1828485 | NH: 26267-MBR | FL: MBR6162 | ME: 1828485 | CT: MB-1828485 Mortgage Broker Only | We arrange but do not make loans | MORTGAGE BROKER ONLY, NOT MORTGAGE LENDER OR CORRESPONDENT MORTGAGE LENDER | https://www.nmlsconsumeraccess.org
Refinance Calculator
CONV FHA VA USDA
$
$
%
yr
$
per year
$
per year
This is not a commitment to lend. Not all borrowers will qualify. This is for illustrative purposes only and estimates are based on information you provided. Interest rates, mortgage insurance rates, and programs are subject to credit approval and available rates and terms will vary, sometimes drastically, based on borrower eligibility and program selected. For accurate interest rates and mortgage insurance rates please contact your sales consultant. For illustrative purposes FHA/VA and USDA loan amounts will include an estimate for the financed upfront MI amount.
NMLS: 7810 | Company NMLS: 1828485 Licensed in: MA, NH, FL, ME, CT MA Lic: MB1828485 | NH: 26267-MBR | FL: MBR6162 | ME: 1828485 | CT: MB-1828485 Mortgage Broker Only | We arrange but do not make loans | MORTGAGE BROKER ONLY, NOT MORTGAGE LENDER OR CORRESPONDENT MORTGAGE LENDER | https://www.nmlsconsumeraccess.org
Affordability Calculator
$
$
$
%
yr
$
per year
$
per year
This is not a commitment to lend. Not all borrowers will qualify. This is for illustrative purposes only and estimates are based on information you provided. Interest rates, mortgage insurance rates, and programs are subject to credit approval and available rates and terms will vary, sometimes drastically, based on borrower eligibility and program selected. For accurate interest rates and mortgage insurance rates please contact your sales consultant. For illustrative purposes FHA/VA and USDA loan amounts will include an estimate for the financed upfront MI amount.
NMLS: 7810 | Company NMLS: 1828485 Licensed in: MA, NH, FL, ME, CT MA Lic: MB1828485 | NH: 26267-MBR | FL: MBR6162 | ME: 1828485 | CT: MB-1828485 Mortgage Broker Only | We arrange but do not make loans | MORTGAGE BROKER ONLY, NOT MORTGAGE LENDER OR CORRESPONDENT MORTGAGE LENDER | https://www.nmlsconsumeraccess.org
Calculated Results

You can afford $300,000

Your Monthly Payment: $667/month
Total Loan Amount: $240,000
Estimated insurance needed: $667/month

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NMLS: 7810 | Company NMLS: 1828485 Licensed in: MA, NH, FL, ME, CT MA Lic: MB1828485 | NH: 26267-MBR | FL: MBR6162 | ME: 1828485 | CT: MB-1828485 Mortgage Broker Only | We arrange but do not make loans | MORTGAGE BROKER ONLY, NOT MORTGAGE LENDER OR CORRESPONDENT MORTGAGE LENDER | https://www.nmlsconsumeraccess.org
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NMLS: 7810 | Company NMLS: 1828485 Licensed in: MA, NH, FL, ME, CT MA Lic: MB1828485 | NH: 26267-MBR | FL: MBR6162 | ME: 1828485 | CT: MB-1828485 Mortgage Broker Only | We arrange but do not make loans | MORTGAGE BROKER ONLY, NOT MORTGAGE LENDER OR CORRESPONDENT MORTGAGE LENDER | https://www.nmlsconsumeraccess.org
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NMLS: 7810 | Company NMLS: 1828485 Licensed in: MA, NH, FL, ME, CT MA Lic: MB1828485 | NH: 26267-MBR | FL: MBR6162 | ME: 1828485 | CT: MB-1828485 Mortgage Broker Only | We arrange but do not make loans | MORTGAGE BROKER ONLY, NOT MORTGAGE LENDER OR CORRESPONDENT MORTGAGE LENDER | https://www.nmlsconsumeraccess.org
 
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Send Cancel NMLS: 7810 | Company NMLS: 1828485 Licensed in: MA, NH, FL, ME, CT MA Lic: MB1828485 | NH: 26267-MBR | FL: MBR6162 | ME: 1828485 | CT: MB-1828485 Mortgage Broker Only | We arrange but do not make loans | MORTGAGE BROKER ONLY, NOT MORTGAGE LENDER OR CORRESPONDENT MORTGAGE LENDER | https://www.nmlsconsumeraccess.org
NMLS: 7810 | Company NMLS: 1828485 Licensed in: MA, NH, FL, ME, CT MA Lic: MB1828485 | NH: 26267-MBR | FL: MBR6162 | ME: 1828485 | CT: MB-1828485 Mortgage Broker Only | We arrange but do not make loans | MORTGAGE BROKER ONLY, NOT MORTGAGE LENDER OR CORRESPONDENT MORTGAGE LENDER | https://www.nmlsconsumeraccess.org
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NMLS: 7810 | Company NMLS: 1828485 Licensed in: MA, NH, FL, ME, CT MA Lic: MB1828485 | NH: 26267-MBR | FL: MBR6162 | ME: 1828485 | CT: MB-1828485 Mortgage Broker Only | We arrange but do not make loans | MORTGAGE BROKER ONLY, NOT MORTGAGE LENDER OR CORRESPONDENT MORTGAGE LENDER | https://www.nmlsconsumeraccess.org
Rates Disclosure

Interest rates and APRs are based on current market rates, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score and other variables - call for details. This is not a credit decision or a commitment to lend.  Mortgage insurance may be required. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. Additional loan programs may be available. APR (annual percentage rate) reflects the effective cost of your loan on a yearly basis, taking into account such items as interest, most closing costs, discount points (also referred to as "points"), and loan-origination fees. One point is 1% of the mortgage amount (e.g., $1,000 on a $100,000 loan). Your monthly payment is not based on APR, but instead on the interest rate on your Note. Adjustable Rate Mortgage (ARM) rates assume no increase in the financial index after the initial fixed period. ARM rates and monthly payments are subject to increase after the fixed period.

Rates and APRs also assume owner occupied Single family residences with an 80 loan-to-value (20% Down payment).  Discount point have varied and can be found on www.freddiemac.com.  These mortgage averages are for loans in 1st Lien Position.  The historical Freddie Mac PMMS® data is provided "as is," with no warranties of any kind, express or implied, including, but not limited to, warranties of accuracy or implied warranties of merchantability or fitness for a particular purpose. Use of the data is at the user's sole risk. In no event will the advertiser on this app or Freddie Mac be liable for any damages arising out of or related to the data, including, but not limited to direct, indirect, incidental, special, consequential, or punitive damages, whether under a contract, tort, or any other theory of liability, even if Freddie Mac is aware of the possibility of such damages.

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NMLS: 7810 | Company NMLS: 1828485 Licensed in: MA, NH, FL, ME, CT MA Lic: MB1828485 | NH: 26267-MBR | FL: MBR6162 | ME: 1828485 | CT: MB-1828485 Mortgage Broker Only | We arrange but do not make loans | MORTGAGE BROKER ONLY, NOT MORTGAGE LENDER OR CORRESPONDENT MORTGAGE LENDER | https://www.nmlsconsumeraccess.org
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NMLS: 7810 | Company NMLS: 1828485 Licensed in: MA, NH, FL, ME, CT MA Lic: MB1828485 | NH: 26267-MBR | FL: MBR6162 | ME: 1828485 | CT: MB-1828485 Mortgage Broker Only | We arrange but do not make loans | MORTGAGE BROKER ONLY, NOT MORTGAGE LENDER OR CORRESPONDENT MORTGAGE LENDER | https://www.nmlsconsumeraccess.org
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NMLS: 7810 | Company NMLS: 1828485 Licensed in: MA, NH, FL, ME, CT MA Lic: MB1828485 | NH: 26267-MBR | FL: MBR6162 | ME: 1828485 | CT: MB-1828485 Mortgage Broker Only | We arrange but do not make loans | MORTGAGE BROKER ONLY, NOT MORTGAGE LENDER OR CORRESPONDENT MORTGAGE LENDER | https://www.nmlsconsumeraccess.org

I am New England’s #1 VA Mortgage Originator and a nationally recognized expert on VA Home Loans. With more than 20 years of residential lending experience, I’ve helped thousands of veterans and families achieve the dream of homeownership.

As past President of the National Association of Mortgage Brokers, I’ve worked to elevate industry standards while educating Realtors and borrowers alike. My passion is empowering communities with clear, trusted lending insight, building lasting relationships, and advancing the mission of veteran homeownership across the nation!


equal_housing_lender crms
NMLS: 7810 | Company NMLS: 1828485 Licensed in: MA, NH, FL, ME, CT MA Lic: MB1828485 | NH: 26267-MBR | FL: MBR6162 | ME: 1828485 | CT: MB-1828485 Mortgage Broker Only | We arrange but do not make loans | MORTGAGE BROKER ONLY, NOT MORTGAGE LENDER OR CORRESPONDENT MORTGAGE LENDER | https://www.nmlsconsumeraccess.org
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NMLS: 7810 | Company NMLS: 1828485 Licensed in: MA, NH, FL, ME, CT MA Lic: MB1828485 | NH: 26267-MBR | FL: MBR6162 | ME: 1828485 | CT: MB-1828485 Mortgage Broker Only | We arrange but do not make loans | MORTGAGE BROKER ONLY, NOT MORTGAGE LENDER OR CORRESPONDENT MORTGAGE LENDER | https://www.nmlsconsumeraccess.org

DISCLAIMER

You are going to a 3rd party website and there is NO WARRANTY, expressed or implied, for the accuracy of this information or its applicability to your financial situation. Please consult your sales consultant.

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NMLS: 7810 | Company NMLS: 1828485 Licensed in: MA, NH, FL, ME, CT MA Lic: MB1828485 | NH: 26267-MBR | FL: MBR6162 | ME: 1828485 | CT: MB-1828485 Mortgage Broker Only | We arrange but do not make loans | MORTGAGE BROKER ONLY, NOT MORTGAGE LENDER OR CORRESPONDENT MORTGAGE LENDER | https://www.nmlsconsumeraccess.org

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Richard Bettencourt

President

Veteran Mortgage Brokers

"The VA Guy" | NMLS:7810

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NMLS: 7810 | Company NMLS: 1828485 Licensed in: MA, NH, FL, ME, CT MA Lic: MB1828485 | NH: 26267-MBR | FL: MBR6162 | ME: 1828485 | CT: MB-1828485 Mortgage Broker Only | We arrange but do not make loans | MORTGAGE BROKER ONLY, NOT MORTGAGE LENDER OR CORRESPONDENT MORTGAGE LENDER | https://www.nmlsconsumeraccess.org

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NMLS: 7810 | Company NMLS: 1828485 Licensed in: MA, NH, FL, ME, CT MA Lic: MB1828485 | NH: 26267-MBR | FL: MBR6162 | ME: 1828485 | CT: MB-1828485 Mortgage Broker Only | We arrange but do not make loans | MORTGAGE BROKER ONLY, NOT MORTGAGE LENDER OR CORRESPONDENT MORTGAGE LENDER | https://www.nmlsconsumeraccess.org
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