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MORTGAGE CALCULATOR

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Mortgage Calculator

Estimate your monthly payment and see how much house you can afford.

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Payment Breakdown

Customize your mortgage payment

Principal & Interest
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Total Of All Payments

Down Payment & One-time Expenses
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HOA fees
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Amortization Schedule

Mortgage Payoff Date:

Payment breakdown as of

Remaining Balance
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Our Process

HOME PURCHASING

STEP 1

Determine your budget

Before you even start looking at homes for sale, it's important to determine your needs and budget. Then start saving up for that down payment.

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STEP 3

Get pre-approved

Before you even start looking at homes for sale, it's important to determine your needs and budget. Then start saving up for that down payment.

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STEP 2

Connect with an agent

Start house hunting! An agent knows your market and works with you to find your dream home on your budget. When you find your perfect home, present the seller a purchase contract with all the details.

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STEP 4

Closing

Once an offer’s accepted, the home needs to be appraised. Next, underwriters check over the financials before clearing you to close. Then it’s time to sign and move in.

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Our Loan Options

Find the perfect loan for you

There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Of course, we'll be happy to help you choose the best type of home loan for your needs, but it only takes a few minutes to review your home loan options and get an idea of what might provide the best value for you.

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Active Service Member

Military Veterans and those actively serving have earned a number of significant VA home loan benefits.

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First Time Homebuyer

We offer top-of-the-line technology and customer service that guides you through the homebuying process.

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Understanding USDA Mortgages

A USDA mortgage, also known as a USDA Rural Development Loan, is a type of home loan backed by the United States...

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Homeowner Looking For Cash

Homeownership can seem like a distant dream for many, particularly for first-time buyers or those with less-than-perfect...

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Mortgage Options

You can qualify for an investor loan that does not require your personal income to be submitted and analyzed.

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Our Mission

We believe that a mortgage is more than just a loan; it's a key to opportunity, stability, and growth.

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Our Tools

Use our Mortgage Calculator tool that can help you estimating the price for your investment.

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Find A Mortgage Officer

We’ve been helping customers afford the home of their dreams for many years and we love what we do.

Caroline Elizabeth Taylor
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CAROLINE ELIZABETH TAYLOR

Loan Officer | NMLS# 819807

Carrie Taylor is firmly planted in the south - Hartselle, AL to be exact. And while you may see her at the ball field watching her daughters play softball, enjoying time with family & friends, or volunteering in the community, don't be fooled by her casual, easy-going style. With more than 10 years of experience, Carrie is well-versed in mortgage lending...

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Kelly Coffey 1
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KELLY COFFEY

Loan Officer Assistant | NMLS# 1426638

Kelly Coffey joined the Snider Mortgage Team in 2015 and is an invaluable part of our team. She serves as a resource both for our clients and Realtor partners.

Kelly is a licensed Residential Mortgage Loan Originator and serves as a Loan Assistant for the team.

Kelly will be there step-by-step and is one of the primary points of contact for you throughout the mortgage process.

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Brandon Snider 1
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BRANDON SNIDER

Senior Loan Officer | NMLS# 181033

Brandon Snider is a highly accomplished and dedicated mortgage professional with a passion for serving his clients and community.

Brandon graduated from the University of Alabama in 2003, where he earned a Bachelor of Science degree in Business with a focus on Marketing. After graduation, he entered the mortgage and real estate industry in 2004 and quickly became a rising star in his field...

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Zeb Smith 1
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ZEB SMITH

Loan Officer | NMLS# 1744544

Born and raised in Cullman, Alabama, Zeb Smith initially set out to become an educator when he attended college. However, his growing passion for business and finance led him to transition his studies toward these fields. This shift ultimately paved the way for Zeb's successful career in the mortgage industry, where he has been making a difference since 2018...

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Josh Campbell 1
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JOSH CAMPBELL

Loan Officer | NMLS# 416214

A native of Cullman, Alabama, Josh Campbell's journey from small-town beginnings to a highly regarded Loan Originator is a testament to his resilience and the strong values instilled in him by his community. Rooted in the fabric of America's heartland, Josh embodies a deep-seated passion for helping families realize their dreams of homeownership...

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Josh Phillips 1
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JOSH PHILLIPS

Loan Officer | NMLS# 338177

Born and raised in Cullman, Alabama, Josh Phillips has a true passion for business, family, and service. With an academic background in Business Management and a concentration in Entrepreneurship, Josh earned his degree from the University of North Alabama after completing his studies at Wallace State Community College...

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Scott (1)
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SCOTT OSBORNE

Loan Officer | NMLS# 192771

I am a dedicated and experienced Mortgage Loan Originator with a strong background in helping individuals and families achieve their homeownership dreams. With over 23 years’ experience I have developed a deep understanding of the mortgage industry, I work diligently to provide tailored solutions to clients, ensuring they secure the best possible financing for their homes. I’m proud to call Guntersville Alabama home and I’m also proud to be Alumni of Jacksonville State University. Whether you are a first-time homebuyer searching for a low-down payment loan option, or an experienced investor looking to purchase an additional investment property, please give me a call.

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“With Impact Mortgage Group, securing our dream home wasn't just a transaction, it felt like a partnership. They were with us every step of the way, making the complex seem simple and the daunting approachable. Here's to new beginnings!”

Jimmy S.