Calculators for Your Use

GDM MORTGAGE CORP

Mortgage Payment Calculator

Required for PMI calculation on conventional loans
🏠 Ready to Get Pre-Qualified?
Powered by GDM Mortgage Corp | Licensed Mortgage Professionals
Important Disclosure: This calculator provides estimates only and is not a loan commitment or guarantee of credit approval. Actual loan terms, payments, and costs may vary based on your creditworthiness, property type, loan program, and other factors. Interest rates change daily and your actual rate may differ. Additional costs such as HOA fees and closing costs are not included. For accurate loan terms and to discuss your specific situation, please contact a licensed loan officer. Equal Housing Opportunity.

© 2025 GDM Mortgage Corp. All Rights Reserved. | Calculator proprietary to GDM Mortgage Corp.
GDM MORTGAGE CORP

Purchase Price Calculator

Maximum 50% debt-to-income ratio
Required for PMI calculation on conventional loans
Example: 1.2% annually, $300/month, or $3,600/year
Example: 0.5% annually, $150/month, or $1,800/year
🏠 Ready to Get Pre-Qualified?
Powered by GDM Mortgage Corp | Licensed Mortgage Professionals
Important Disclosure: This calculator provides estimates only and is not a loan commitment, guarantee of credit approval, or advertisement for credit. Purchase power calculations are based on estimated payments and debt-to-income ratios. Actual loan approval depends on credit history, income verification, property appraisal, and other underwriting factors. Interest rates, loan terms, and program availability may vary. Consult with a licensed loan officer for actual terms and qualification requirements. Equal Housing Opportunity.

Recommendation: This calculator shows the MAXIMUM you may qualify for based on debt-to-income ratios. We recommend speaking with our loan specialists to discuss your specific situation and find the right loan program for your needs.

© 2025 GDM Mortgage Corp. All Rights Reserved. | Calculator proprietary to GDM Mortgage Corp.
GDM MORTGAGE CORP

HELOC Qualifier

🏠 Ready to Get Pre-Qualified?
Powered by GDM Mortgage Corp | Licensed Mortgage Professionals
Important Disclosure: This calculator provides estimates only and is not a loan commitment or guarantee of credit approval. HELOC eligibility and terms depend on credit history, income verification, property appraisal, debt-to-income analysis, and other underwriting factors. Interest rates are variable and subject to change. Loan amounts, terms, and availability may vary by state and property location. Your home secures this loan - you could lose your home if you do not repay. Consult with a licensed loan officer for actual terms and to discuss risks. Equal Housing Opportunity.

© 2025 GDM Mortgage Corp. All Rights Reserved. | Calculator proprietary to GDM Mortgage Corp.

Have any questions?

Meet Vanessa –

Your Mortgage AI Assistant

Hey, I'm Vanessa!

I’m here 24/7 to answer your mortgage questions, guide you through pre-qualification, and help you get matched with the right loan program — fast.

Whether you're a first-time buyer, investor, or self-employed, I’ll ask a few smart questions and connect you with what fits best.

Instantly answers questions for loan types like FHA, DSCR, Bank Statement & more.

Get Pre-screened 24/7

Connect with your loan advisor

# ABOUT US

Trusted Mortgage Expertise.

Personalized Service.

GDM Mortgage Corp is built on the belief that getting a mortgage should be simple, honest, and tailored to you. Led by Heriberto Santiago, we’ve helped families and investors across Florida close loans with confidence — even in complex scenarios.

Heriberto Santiago NMLS #1274038

Bilingual service (English & Spanish)

25+ years of mortgage experience

# CHOOSE YOUR SERVICE

Popular Home Loan Options

Conventional Loan

Ideal for buyers with strong credit and income. Great rates and flexible terms.

Minimum 620 credit score

Standard W2 and income docs

Great for purchases & refinances

HELOC – Access Your Equity

Use your home’s equity for renovations, debt consolidation, or large purchases.

Borrow only what you need

Revolving credit line

Lower monthly payments

FHA Loan (Low Down Payment)

Backed by HUD, FHA loans offer low down payments and flexible credit guidelines.

Credit scores from 580+

3.5% minimum down

First-time buyer friendly

VA Loan

For eligible veterans, active-duty service members, and surviving spouses. No down payment, no PMI, and flexible credit guidelines.

No down payment required

No private mortgage insurance (PMI)

Perfect for purchase or streamline refinance (IRRRL)

USDA Loan

Designed for rural and suburban buyers with low-to-moderate income. 100% financing with reduced mortgage insurance.

Zero down payment available

Lower monthly mortgage insurance

Must meet income & location eligibility

Common FAQs

What credit score do I need to qualify?

Most loans require 580–620. We offer flexible options for lower scores too.

Can I apply if I'm self-employed?

Yes — our bank statement and non-QM programs are built for self-employed borrowers.

How fast can I get pre-approved?

In most cases, same day — with our AI pre-screening and team support.

How much do I need for a down payment?

As low as 3.0%-3.5% with Conv Home Ready, FHA. VA and USDA may allow zero down.

YOUR LOAN ADVISOR

HERIBERTO SANTIAGO

Principal Loan Officer, Advisor, Consultant

NMLS # 1274038

Testimonials

People Love Us


"Heriberto and his team made buying a house such an easy process with no issues at all. I can honestly say this was a scary experience as a first-time buyer but with the guidance and knowledge Heriberto displayed I couldn't express how much satisfaction I have with the outcome; from start to finish it was a great experience. Highly recommended, friendly, courteous, knowledgeable and actually listens to what you want."

– J. Delgado


"100% recommended. In the month of May we began to talk with several agents and brokers, it was a very bad experience since they all tell you yes and when they see that they can spend a little work they forget about you and even stop calling you to the point that in the month July I regretted it and decided to end the process and wait for next year. In the month of August, speaking with a friend, he referred to Heriberto Santiago and GDM, it was totally different, from the first moment we began to talk, he offered me many alternatives. The most surprising thing is that the next day he called me with a work plan and willing to start the process, which none of the previous ones did. Communication with him and his team was excellent. They actually fight for the client, they fought for my loan and in 3 months I was able to buy and close on my house. GDM are actually the best, professionalism, human quality and excellent service. Thank you Heriberto, I and my family thank you for having our home today."

– O. Alvarez

Office: 3801 E Avalon Park Blvd, Suite 200, Orlando, FL 32828

Call 321.492.0292

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