Synergy One Lending

NMLS ID# 1025894

Imelda Loza
NMLS ID# 1183484
(720) 949-3094
iloza@s1lending.com

Loan Calculation Scenario

$120k

Balance Interest Principal

$100k

$80k

$60k

$40k

$20k

$0k
Months 50 100 150 200 250 300 350

Calculation Inputs Calculation Results

Loan Type Conventional Total Loan Amount $98,940

Sale Price $102,000 Down Payment Amt $3,060

Down Payment Pct 3.0% Monthly Principal + Interest $444

Mortgage Term 30 years Annual Percentage Rate 4.75%

Interest Rate 3.5% Total Interest Percentage 61.66%

Annual Taxes $292 Monthly Taxes $24

Annual Home Insurance $200 Monthly Home Insurance $17

Annual HOA $3,300 Monthly HOA $275

Annual Mortgage Insurance $1,373 Monthly Mortgage Insurance $114

Annual Expenses $0 Total Monthly Payment $875
 Amortization and Loan Info

Year Principal Interest Balance Year Principal Interest Balance

0 $1,872 $3,468 $98,784 15 $3,156 $2,172 $61,885

1 $1,932 $3,396 $96,880 16 $3,264 $2,064 $58,668

2 $2,004 $3,324 $94,908 17 $3,384 $1,944 $55,337

3 $2,076 $3,252 $92,866 18 $3,504 $1,824 $51,887

4 $2,148 $3,180 $90,751 19 $3,624 $1,704 $48,315

5 $2,220 $3,108 $88,561 20 $3,756 $1,572 $44,616

6 $2,304 $3,024 $86,293 21 $3,888 $1,440 $40,785

7 $2,388 $2,940 $83,944 22 $4,032 $1,296 $36,818

8 $2,472 $2,856 $81,512 23 $4,176 $1,152 $32,709

9 $2,556 $2,772 $78,994 24 $4,320 $1,008 $28,455

10 $2,652 $2,676 $76,385 25 $4,476 $852 $24,049

11 $2,748 $2,592 $73,684 26 $4,632 $696 $19,487

12 $2,844 $2,484 $70,887 27 $4,800 $528 $14,762

13 $2,940 $2,388 $67,991 28 $4,968 $360 $9,869

14 $3,048 $2,280 $64,991 29 $5,148 $180 $4,803

LAST $5,316 $12 $0.00

Synergy One Lending Inc., also doing business as Mutual of Omaha Mortgage, NMLS 1025894.
3131 Camino Del Rio N 190, San Diego, CA 92108. Alabama Consumer Credit License #22123;
Arizona Mortgage Banker License 0926603; Arkansas Combination Mortgage
Banker/Broker/Servicer License 109250; Licensed by the Department of Business Oversight
under the California Residential Mortgage Lending Act – California License 4131356; District of
Columbia Mortgage Dual Authority License MLB1025894; Hawaii Mortgage Loan Originator
Company License #HI-1025894; Illinois Residential Mortgage Licensee #MB.6761115; Maine
Supervised Lender License 1025894; Maryland Commissioner of Financial Regulation -
Mortgage Lender License 21678; Minnesota Residential Mortgage Originator Exemption #MN-
OX-1025894; Nevada Mortgage Broker License #4317. Licensed by the New Hampshire
Banking Department 19926-MB; Licensed by the New Jersey Banking and Insurance
Department – New Jersey Residential Mortgage Lender License 1025894; New Mexico
Mortgage Loan Company License 1025894; Oregon Mortgage Lending License ML- 5208;
Rhode Island Lender License #20163229LL. Rhode Island Loan Broker License #20163230LB;
Vermont Lender License 6891. Washington Consumer Loan Company License CL-1025894.
Toll Free #: (877) 978-1922. Subject to Credit Approval. www.nmlsconsumeraccess.org