Rich Young
NMLS: 291547 | Action Residential Mortgage
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Action Residential Mortgage
About Rich
I've been the broker of record for Action Residential Mortgage since January 1994. After 31-years, we're grateful and still growing! The many years and personal commitment we continue to embrace has yielded thousands of closed loans. I take pride in earning my clients’ trust by understanding their unique financial goals. We live and work with integrity, and we prove the value of our services by the numbers. This is the unique and defining difference of ARM. Our quality and personal approach to your loan is matched to your specific needs. We're responsive and particular about your purchase. We’re not afraid to advise you against refinancing if it doesn’t pencil. We believe that keeping your best interests in mind, even if it means turning down your business, is the right thing to do and ultimately rewards me at a later date. It’s why repeat clients keep coming back and do business with us for decades. Along with my loan officer associates, staff, and assistants, we work for you!
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Mortgage Calculators
Monthly Payment
Apart from the purchase price of a home, there are other costs that must be factored into your monthly mortgage payment, including loan term, interest rate, homeowners insurance and property taxes.
This monthly payment calculator can help you figure out monthly loan payment options and is a tool you can use to assist with budgeting, whether you're buying a home or considering a refinance. When you're ready to purchase a home, connect with an independent mortgage broker to help you get started with your first time home loan.
Estimated Payment Amount
Per Month
$0.00
* If your down payment is less than 20% of the purchase price of the home on a conventional loan, you may be required to pay mortgage insurance.
Buy vs Rent
Should you buy or rent a home?
Are you currently renting and thinking about buying a home? There are a lot of factors that go into this decision, starting with affordability. Our calculator helps you compare the cost between renting and buying, making it easier to see which option may be best for you.
Buy vs Rent
What is right for you?
With a steady income, good credit score, manageable debt, some savings, and you want to put down some roots, you may be ready to buy a house.
Use our buy vs rent calculator to find out what's right for you.
Refinance
Have you ever considered refinancing your home loan?
Too many homeowners who close on their mortgage simply "get it and forget it," which could be a big mistake. Refinancing your current home loan may save you a significant amount of money depending on your interest rate, how many months remain on your loan term and how long you plan on staying in your home.
It's all in the numbers. So, let's do a little digging. Use our calculator below and then connect with an independent mortgage broker to start your home refinance
Why Refinance?
Lower Interest Rate
If rates dropped since you took out your mortgage, you may be able to refinance to a lower rate and monthly payment.
Adjustable to Fixed Rate
If you have an adjustable rate mortgage (ARM) and plan to stay in your home for a while, you may want to refinance to a fixed rate mortgage.
Convert Equity to Cash
If your home value increased or you paid off a significant amount of your mortgage, you can get cash out of your home with a cash-out refinance to pay off credit card or other debt, make home improvements and more.
How Much Home
Before you fall in love with a home, be sure to fall in love with the numbers. If it’s your first time getting a home loan, it’s important to connect with an independent mortgage broker to walk through your financing options.
There’s much more that goes into the cost of homeownership than the purchase price. Other factors include: property taxes, homeowners insurance and the interest rate on the home loan. Preparing a thorough and comprehensive budget is a good first step to understanding how much home you can afford. Our home affordability calculator makes this easy.
You May Be Able To Afford A House Up To:
$0.00
With a monthly estimated payment of $0.00.
Based on your income, a home at this price could fit within your budget.
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