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No call centers. No lead sharing. No inbox full of strangers. I am your point of contact — and your info stays with our team. Period.

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No automated emails. No call center. Just me, Enoch. I'll be in touch directly.

— Enoch Kim · NMLS #963641

Calculators

Run the Numbers.
Know Before You Apply.

These calculators give you a real-world picture of what you can afford and what your payments will look like. Educational only — actual rates vary.

Home Price $400,000

Down Payment 20% — $80,000

Interest Rate 6.75%

Loan Term 30 Years

Estimated Monthly Payment

$2,073

Principal & Interest only

Loan Amount

$320,000

Total Interest

$426,358

Total Cost

$746,358

Year	Principal Paid	Interest Paid	Balance

Calculator is for educational purposes only. Results are estimates and do not constitute a quote or commitment to lend. Actual rates, payments, and terms vary based on creditworthiness, loan type, and market conditions. Enoch Kim · NMLS #963641 · Edge Home Finance, LLC · NMLS #891464

Annual Income $80,000

Monthly Debt Payments $500

Down Payment $40,000

Interest Rate 6.75%

You May Qualify For Up To

$—

Estimated home price (28/36 DTI rule)

Max Loan

$—

Max Payment

$—

Monthly Income

$—

This estimate uses the 28/36 debt-to-income rule as a general guideline. Actual qualification depends on credit score, loan type, lender requirements, and other factors. For an accurate number, get a pre-approval.

Credit Card Balance $20,000

Credit Card APR 22%

Current Mortgage Rate 7.5%

New Refinance Rate 6.5%

Remaining Loan Balance $300,000

Estimated Monthly Savings

$—

By rolling debt into a cash-out refinance

Old Total Payment

$—

New Payment

$—

Annual Savings

$—

This calculator illustrates a potential scenario only. A cash-out refinance extends your loan term and increases total interest paid. Consult with Enoch to determine if refinancing makes sense for your specific situation.

Want to Know More?

Got it — I'll reach out personally.

Run the Numbers.Know Before You Apply.

Run the Numbers.
Know Before You Apply.