Three Ways to Finance This Home
Every buyer's situation is different. Here are three distinct paths to owning 7565 NW 75th Drive — with real monthly numbers, not guesses.
VA 5/1 ARM
5.750% rate · 6.286% APR · 0.685 pts
| Principal & Interest | $5,067 |
| Property Taxes | $684 |
| Homeowner's Insurance | $583 |
| HOA | $317 |
| Mortgage Insurance | $0 |
| Total PITI | $6,651/mo |
Fixed for 5 years, then adjusts annually. This is a variable-rate ARM — the rate and payment are not fixed for the life of the loan. After the initial 60-month period, the rate adjusts each year based on the index plus margin and can increase. The VA funding fee of $18,274 is financed into the loan, for a total loan amount of $868,273.
Wealth-Builder HELOC (first-lien)
"When your paycheck — or your bonus — hits, it pays down your mortgage that night."
Your income sweeps into the loan, instantly lowering the balance the day it arrives.
Simple interest — charged daily on only what you still owe, not on a fixed amortized schedule.
Pull cash back out anytime — your equity stays liquid and available when you need it.
How it works: This is a first-lien variable-rate HELOC — not a fixed-rate loan. The rate equals the 30-day SOFR index plus a margin and adjusts monthly; both the rate and your payment can rise. Many disciplined borrowers pay off their balance years sooner by sweeping income through the line, but this is illustrative only — no payoff date is promised. The product is built for borrowers with strong, steady cash flow. Your home is the collateral.
Conventional 30-Year Fixed
Two down-payment scenarios — a true fixed-rate mortgage.
10% Down
| P&I | $4,772 |
| Taxes | $684 |
| Insurance | $583 |
| HOA | $317 |
| MI | $115 |
| Total PITI | $6,471/mo |
30% Down
| P&I | $3,664 |
| Taxes | $684 |
| Insurance | $583 |
| HOA | $317 |
| MI | $0 |
| Total PITI | $5,248/mo |
A note on property taxes
Property taxes shown ($684/mo) reflect the seller's current assessment. Florida reassesses property taxes to the purchase price after closing — your actual taxes and monthly payment will be higher. Ask for a personalized estimate.
Get your real numbers in 10 minutes
No guesswork, no pressure. Pick a time and we'll walk through exactly what this home would cost you each month — with the financing path that fits your situation.
Or call or text Todd directly at (954) 806-5114Important Disclosures
- Rates shown are as of Friday and update Monday — like all mortgage pricing. Rates, APRs, points, and terms are subject to change without notice and to credit approval, income, property, and program guidelines.
- This is not a Loan Estimate and not a commitment to lend. The figures above are for educational and illustration purposes only.
- VA option: available to eligible borrowers. The VA loan shown is a variable-rate ARM — the rate is fixed for the first 60 months, then adjusts annually per the index plus margin; the rate and payment can increase.
- Wealth-Builder option: a variable-rate first-lien HELOC; your home is the collateral. Figures are illustrative and no payoff date is promised.
- Equal Housing Opportunity. Todd Hanley, Senior Loan Officer, NMLS #1013665 · United Direct Lending NMLS #1749719 · Licensed in FL, TX, NJ · 5550 Glades Rd, Suite 500, Boca Raton, FL 33431.