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Let’s make homeownership a reality.</p></div><div class="ds24-nav-link-wrap"><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed/purchase" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/656f796a3256ce24d1dddfcf_icon-bolt.svg" loading="lazy" alt="Bolt Icon" class="small-icon link"/><div class="link-text">Apply Now</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div></div></div></div><a href="/finance" class="floating-nav-box w-inline-block"></a></div><div class="ds24-nav-link"><div class="ds24-nav-link-content"><div class="link-text dropdown new-nav">Lower My Rate</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="icon-xsmall"/></div><div class="ds24-link-dropdown-wrap new-nav center-align"><div class="ds24-link-dropdown new-nav"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/613773702e37a2231e713441_Group%2039.svg" loading="lazy" alt="" class="ds24-block-arrow lower-my-rate center-align"/><div class="ds24-dropdown-link-list new-nav"><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/refinance/rate-refinance" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f0c77344b7e751843f91_Rate-Term-Refinance.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Rate-Term Refinance<br/></div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a 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src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/656f796a3256ce24d1dddfcf_icon-bolt.svg" loading="lazy" alt="Bolt Icon" class="small-icon link"/><div class="link-text">Apply Now</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div></div></div></div><a href="/lower-my-rate" class="floating-nav-box w-inline-block"></a></div><div class="ds24-nav-link"><div class="ds24-nav-link-content"><div class="link-text dropdown new-nav">All Loan Options</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="icon-xsmall"/></div><div class="ds24-link-dropdown-wrap new-nav center-align"><div class="ds24-link-dropdown new-nav"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/613773702e37a2231e713441_Group%2039.svg" loading="lazy" alt="" class="ds24-block-arrow all-loan-options center-align"/><div class="ds24-dropdown-link-list new-nav"><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loans/conventional-home-loans" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f0c77344b7e751843f91_Rate-Term-Refinance.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Conventional Loan</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loans/adjustable-rate-mortgage" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f30ea740db51da7a37b1_Adjustable-Rate-Mortgage.svg" 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Loan</div></div></a></div></div><div class="ds24-dropdown-link-list new-nav smaller-content"><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loans/jumbo-loan" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f15c185886ce204131ed_HELOC.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Jumbo Loan</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loans/va-loan" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f47dbd68ce867469dee7_VA-Loan.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">VA Loan</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loans/fha-loan" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f32f0e43326a1fc1064e_FHA-Loan.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">FHA Loan</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/home-equity/home-equity-loans" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f35e4a6b850916a39b1a_Home-Equity-Loan.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Home Equity Loan</div></div></a></div></div><div class="ds24-divider-h new-nav"></div><div class="ds24-dropdown-cta smaller-content"><div class="ds24-dropdown-cta-content"><div class="h-xsmall bot-m--25em">Ready to apply for your loan?</div><p class="p-body-small bot-m--5em">We connect 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w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f5b7636cdda726fe332a_Industry-News.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Industry News</div></div></a></div></div><div class="ds24-divider-h new-nav"></div><div class="ds24-dropdown-cta smaller-content"><div class="ds24-dropdown-cta-content"><div class="h-xsmall bot-m--25em">Ready to see your loan options?</div><p class="p-body-small bot-m--5em">We offer expert guidance every step of the way.</p></div><div class="ds24-nav-link-wrap"><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed/purchase" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/656f796a3256ce24d1dddfcf_icon-bolt.svg" loading="lazy" alt="Bolt Icon" class="small-icon link"/><div class="link-text">Apply Now</div><div 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class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6793c0ad8263063ce2abc71d_location_on.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Branch Locations</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loan-officers" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6793c0adbd246686c578a671_map.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Search By State</div></div></a></div></div><div class="ds24-divider-h new-nav"></div><div class="ds24-dropdown-cta smaller-content"><div class="ds24-dropdown-cta-content"><div class="h-xsmall bot-m--25em">We're here to help.</div><p class="p-body-small bot-m--5em">We are just around the corner and have the local market expertise to help you on your homebuying 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class="ds24-link-block color-ash w-inline-block"><div class="link"><div class="link-text weight-book">Terms of Use</div></div></a><a href="/legal/lender-fees" class="ds24-link-block color-ash w-inline-block"><div class="link"><div class="link-text weight-book">Lender Fees</div></div></a><a href="/legal/disclaimers" class="ds24-link-block color-ash w-inline-block"><div class="link"><div class="link-text weight-book">Disclaimers</div></div></a><a href="/legal/sms-terms-and-conditions" class="ds24-link-block color-ash w-inline-block"><div class="link"><div class="link-text weight-book">SMS Terms and Conditions</div></div></a><a href="/legal/sms-privacy-policy" class="ds24-link-block color-ash w-inline-block"><div class="link"><div class="link-text weight-book">SMS Privacy Policy</div></div></a></div></div></div></div></div></div><div class="back-button-container"><a href="/loan-officers" class="secondary-button-7 w-button">Back To Loan Officer Directory</a></div><section class="section---mapbox-and-collection-list lo-page"><div class="container"><div id="w-node-_7bae8254-3ee1-131a-a980-e580d613b8e3-96f643ca" class="w-layout-layout quick-stack wf-layout-layout"><div class="w-layout-cell"><div class="lo-page-card"><img src="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/6767116abf70673a38f7d08f_xbGszuQHY8Y8KcMLs2U8J3XRiDyfWjBYj6nJ6p4R9OE.jpeg" loading="lazy" alt="" class="lo-page-pic"/><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/678aad05173de1cb126ac0ec__headshot.jpg" loading="lazy" sizes="100vw" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/678aad05173de1cb126ac0ec__headshot-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/678aad05173de1cb126ac0ec__headshot.jpg 720w" alt="" class="lo-pic-placeholder w-condition-invisible"/><div id="social-cont" class="profile-section"><div class="social-icons"><a href="https://facebook.com/clau.sanbar" class="social-icon w-inline-block"><img loading="lazy" src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/675fafde6e88f3c8e2c5420c_icon-facebook.svg" alt="" class="social-icon-2"/></a><a href="#" class="social-icon w-inline-block w-condition-invisible"><img loading="lazy" src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/675fafde6e88f3c8e2c54209_icon-linkedin.svg" alt="" class="social-icon-2"/></a><a href="#" class="social-icon w-inline-block w-condition-invisible"><img loading="lazy" src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/675fafde6e88f3c8e2c5420d_icon-instagram.svg" alt="" class="social-icon-2"/></a><a href="#" class="social-icon w-inline-block w-condition-invisible"><img loading="lazy" src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/675fafde6e88f3c8e2c54208_icon-homebot.svg" alt="" class="social-icon-2"/></a><a href="#" class="social-icon w-inline-block w-condition-invisible"><img loading="lazy" src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/675fafde6e88f3c8e2c5420a_icon-google.svg" alt="" class="social-icon-2"/></a><a href="#" class="social-icon w-inline-block w-condition-invisible"><img loading="lazy" src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/675fafde6e88f3c8e2c54207_icon-tiktok.svg" alt="" class="social-icon-2"/></a><a href="#" class="social-icon w-inline-block w-condition-invisible"><img loading="lazy" src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/675fafde6e88f3c8e2c5420b_icon-zillow.svg" alt="" class="social-icon-2"/></a></div></div></div></div><div class="w-layout-cell"><h1 class="lo-page-h1">Jenny Barrientos Sandoval</h1><div class="lo-page-title-block"><div class="label-text bottom-margin--6em small lo-page-title">Loan Officer</div><div class="lo-page-divider">|</div><div class="lo-page-nmls-block"><div>NMLS ID#</div><div>2599756</div></div></div><a href="https://mtgpro.co/dr/c/jbs9b" class="primary-button center black lo-page-apply w-button">Apply Now</a><div class="lo-page-contact-block"><h4 class="bottom-margin-1-5em">Contact</h4><div id="address-cont" class="loan-officer-icon-feature"><img loading="lazy" src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/675faa89f4ae696189f79799_icon-pin-blue.png" alt="" class="loan-officer-icon"/><a href="https://www.google.com/maps/place/317%20Wellness%20Court%20%20Myrtle%20Beach%2C%20SC%2029579" class="address-wrapper w-inline-block"><p class="lo-page-address-one">317 Wellness Court</p><p class="lo-page-address-two w-condition-invisible w-dyn-bind-empty"></p><div class="address-city-wrapper"><p class="lo-page-city">Myrtle Beach</p><p class="lo-page-city">,</p><p class="lo-page-state">SC</p><p class="lo-page-zip">29579</p></div></a></div><div id="address-cont" class="loan-officer-icon-feature"><img loading="lazy" src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/675faf54d95bf5ffe0e8a82c_icon-mail-blue.svg" alt="" class="loan-officer-icon"/><a href="mailto:jbarrientos@legendarymortgage.com" class="w-inline-block"><p class="lo-page-email">jbarrientos@legendarymortgage.com</p></a></div><div id="address-cont" class="loan-officer-icon-feature"><img loading="lazy" src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/675faf62a93179f4bc3837df_icon-phone-blue.svg" alt="" class="loan-officer-icon"/><a href="tel:(843)446-9173" class="lo-phone-link-block w-inline-block"><p class="lo-page-phone">(843) 446-9173</p></a></div></div></div></div></div><div class="container about-container"><div class="lo-page-about-title"><div class="lo-about-h4-block"><h4 class="bottom-margin-1-5em">About</h4><h4 class="bottom-margin-1-5em first-name">Jenny</h4></div><div class="lo-about-text w-richtext">At Lower, we believe that the journey to homeownership should be as smooth and rewarding as possible. Whether you’re buying your first home, refinancing, or exploring your options, my goal is to provide personalized guidance and creative solutions tailored to your unique needs. The mortgage process doesn’t have to be overwhelming—I’m committed to simplifying it and ensuring you feel confident every step of the way. With access to industry-leading tools and resources, I’ll work hard to find the right solution for your situation and help turn your dreams into reality. Let’s connect! I’m excited to learn more about your goals and help you take the next step toward homeownership. Together, we’ll make it happen. Reach out today, and let’s get started! </div><div class="lo-licensed-state-block"><div class="lo-licensed-in-text">I am licensed in: </div><div class="w-dyn-list"><div fs-cmsnest-collection="states" fs-cmsnest-element="template-reference" role="list" class="state-collection-list w-dyn-items"><div role="listitem" class="state-collection-item w-dyn-item"><a href="/state-licenses/florida" class="state-wrapper w-inline-block"><div class="lo-state">FL</div><div class="lo-comma">,</div></a></div><div role="listitem" class="state-collection-item w-dyn-item"><a href="/state-licenses/georgia" class="state-wrapper w-inline-block"><div class="lo-state">GA</div><div class="lo-comma">,</div></a></div><div role="listitem" class="state-collection-item w-dyn-item"><a href="/state-licenses/north-carolina" class="state-wrapper w-inline-block"><div class="lo-state">NC</div><div class="lo-comma">,</div></a></div><div role="listitem" class="state-collection-item w-dyn-item"><a href="/state-licenses/pennsylvania" class="state-wrapper w-inline-block"><div class="lo-state">PA</div><div class="lo-comma">,</div></a></div><div role="listitem" class="state-collection-item w-dyn-item"><a href="/state-licenses/south-carolina" class="state-wrapper w-inline-block"><div class="lo-state">SC</div><div class="lo-comma">,</div></a></div><div role="listitem" class="state-collection-item w-dyn-item"><a href="/state-licenses/tennessee" class="state-wrapper w-inline-block"><div class="lo-state">TN</div><div class="lo-comma">,</div></a></div></div></div><div class="w-embed"><style> .state-collection-item:last-child .lo-comma { display: none; } </style></div></div></div></div></section><section class="section-lo-testimonials w-condition-invisible"><div class="w-layout-blockcontainer w-container"><div class="testimonial-card-wrapper"><div id="w-node-e13a7816-69bc-487e-ed52-4a7f741e03d6-96f643ca" class="w-layout-layout quick-stack wf-layout-layout"><div class="w-layout-cell cell"><h2 class="testimonial-title">Here's what my customers are saying. </h2><a href="#" target="_blank" class="leave-a-review-button w-inline-block"><div class="primary-button-4"><div class="button-text">Leave A Review</div><img loading="lazy" src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6760474f2873137bf3bda052_icon-arrow-white.svg" alt="" class="button-arrow-2"/></div></a></div><div class="w-layout-cell"><div class="testimonial w-dyn-bind-empty w-richtext"></div></div></div></div></div></section><div class="section---calculator---02"><div class="content-container-large-2"><div class="label-text text-center">Find Your Ideal Payment</div><h1 class="text-center">Mortgage Calculator</h1></div><div data-w-id="d8f581ca-8e1f-fa25-36c7-ef3b785a1f5c" style="opacity:0" class="calculator-container w-container"><div class="w-form"><form id="email-form" name="email-form" data-name="Email Form" method="get" data-wf-page-id="657b1ff4593be9d196f643ca" data-wf-element-id="d8f581ca-8e1f-fa25-36c7-ef3b785a1f5e"><div class="monthly-payment"><div class="calculator-result-container"><h4 class="calculator-result-text">Your Estimated Monthly Payment <br/>(Principal & Interest Only)</h4><div class="calculator-result"><h2 id="estimate-monthly-payment" fs-rangeslider-element="display-value" class="monthly-payment">$429.46</h2></div></div></div><div class="w-layout-grid sliders"><div id="w-node-d8f581ca-8e1f-fa25-36c7-ef3b785a1f69-96f643ca" class="range-title-container"><div class="div-block-34"><div>Purchase Price</div><div class="div-block"><div class="text-block-14"><span class="purchase-price-dollar-sign">$</span></div><div class="text-block-14"><span class="purchase-price">350,000</span></div></div></div><div class="hack50-range-slider"><div class="w-embed"><input id="purchase-price" type="range" value="350000" min="10000" max="2000000" step="10000" style="width:100%"></div></div></div><div id="w-node-d8f581ca-8e1f-fa25-36c7-ef3b785a1f76-96f643ca" class="range-title-container"><div class="div-block-34"><div>Down Payment</div><div class="div-block"><div><span class="down-payment">20</span></div><div class="blue-2">%</div></div></div><div class="hack50-range-slider"><div class="w-embed"><input id="down-payment" type="range" value="20" min="0" max="50" step="1" style="width:100%"></div></div></div><div id="w-node-d8f581ca-8e1f-fa25-36c7-ef3b785a1f82-96f643ca" class="range-title-container"><div class="div-block-34"><div>Interest Rate</div><div class="div-block"><div><span class="interest-rate">6.5</span></div><div class="orange-bold">%</div></div></div><div class="hack50-range-slider"><div class="w-embed"><input id="interest-rate" type="range" value="6.5" min=".125" max="15" step="0.125" style="width:100%"></div></div></div></div><div class="term-toggle-container"><div class="text-block-16">Select Your Loan Term:</div><div class="w-embed"><label class="switch"> <input class="switch-input" type="checkbox" id="loan-term" onclick="calculateMonthlyPayment()"/> <span class="switch-label" data-on="15-Yr Fixed" data-off="30-Yr Fixed"></span> <span class="switch-handle"></span> </label> <style> .switch { position: relative; display: block; vertical-align: top; width: 175px; height: 50px; padding: 0px; margin: 0 10px 10px 0; background: #ffffff; box-shadow: 1px 1px 100px rgba(0,0,0,0.2); border-radius: 100px; cursor: pointer; box-sizing:content-box; } .switch-input { position: absolute; top: 0; left: 0; opacity: 0; box-sizing:content-box; } .switch-label { position: relative; display: block; height: inherit; font-size: 16px; font-weight: bold; border-radius: inherit; box-sizing:content-box; color: #ffffff } .switch-label:before, .switch-label:after { position: absolute; top: 50%; margin-top: -.5em; line-height: 1; -webkit-transition: inherit; -moz-transition: inherit; -o-transition: inherit; transition: inherit; box-sizing:content-box; } .switch-label:before { content: attr(data-off); right: 11px; color: #0158ff; } .switch-label:after { content: attr(data-on); left: 11px; color: #ffffff; opacity: 0; } .switch-input:checked ~ .switch-label { background: #0158ff; } .switch-input:checked ~ .switch-label:before { opacity: 0; } .switch-input:checked ~ .switch-label:after { opacity: 1; } .switch-handle { position: absolute; top: 0px; left: 0px; width: 50px; height: 50px; background: #0158ff; border-radius: 100%; } .switch-handle:before { } .switch-input:checked ~ .switch-handle { left: 125px; background: #ffffff; } /* Transition ========================== */ .switch-label, .switch-handle { transition: All 0.3s ease; -webkit-transition: All 0.3s ease; -moz-transition: All 0.3s ease; -o-transition: All 0.3s ease; } </style></div><div id="text" class="text">This is some text inside of a div block.</div></div><div class="w-layout-grid grid-6"><div id="w-node-d8f581ca-8e1f-fa25-36c7-ef3b785a1f93-96f643ca" class="range-title-container"><div fs-rangeslider-formatdisplay="true" fs-rangeslider-element="wrapper" fs-rangeslider-min="0" fs-rangeslider-max="2000000" fs-rangeslider-step="10000" class="fs-rangeslider_wrapper"><div fs-rangeslider-element="track" class="fs-rangeslider_track"><div fs-rangeslider-element="fill" class="fs-rangeslider_fill"></div><div fs-rangeslider-start="300000" fs-rangeslider-element="handle" class="fs-rangeslider_handle"></div></div></div></div><div id="w-node-d8f581ca-8e1f-fa25-36c7-ef3b785a1f98-96f643ca" class="range-title-container"><div fs-rangeslider-formatdisplay="false" fs-rangeslider-element="wrapper-2" fs-rangeslider-min="0" fs-rangeslider-max="100" fs-rangeslider-step="1" class="fs-rangeslider_wrapper"><div class="titles"><div id="w-node-d8f581ca-8e1f-fa25-36c7-ef3b785a1f9b-96f643ca">Down Payment</div><div class="slider-value"><div id="value-down-payment" fs-rangeslider-element="display-value" class="fs-rangeslider_display-value down-payment">value</div><div class="fs-rangeslider_display-value">%</div></div></div><div fs-rangeslider-element="track-2" class="fs-rangeslider_track"><div fs-rangeslider-element="fill-2" class="fs-rangeslider_fill"></div><div fs-rangeslider-start="20" fs-rangeslider-element="handle-2" class="fs-rangeslider_handle"></div></div></div></div><div id="w-node-d8f581ca-8e1f-fa25-36c7-ef3b785a1fa5-96f643ca" class="range-title-container"><div fs-rangeslider-formatdisplay="true" fs-rangeslider-element="wrapper-3" fs-rangeslider-min="0" fs-rangeslider-max="10" fs-rangeslider-step="0.125" class="fs-rangeslider_wrapper"><div class="titles"><div id="w-node-d8f581ca-8e1f-fa25-36c7-ef3b785a1fa8-96f643ca">Interest Rate</div><div class="slider-value"><div id="value-interest-rate" fs-rangeslider-element="display-value" class="fs-rangeslider_display-value interest-rate">value</div><div class="fs-rangeslider_display-value">%</div></div></div><div fs-rangeslider-element="track-3" class="fs-rangeslider_track"><div fs-rangeslider-element="fill-3" class="fs-rangeslider_fill"></div><div fs-rangeslider-start="5.0" fs-rangeslider-element="handle-3" class="fs-rangeslider_handle"></div></div></div></div></div><input type="submit" data-wait="Please wait..." class="submit-button w-button" value="Submit"/></form><div class="w-form-done"><div>Thank you! Your submission has been received!</div></div><div class="w-form-fail"><div>Oops! Something went wrong while submitting the form.</div></div></div></div><div class="container-8 w-container"><div class="disclaimer-text">*Rates and estimated payments are based on hypothetical scenarios and are only to be considered for illustrative purposes. Rates are principal and interest only and do not include taxes, insurance or homeowners dues. Rates vary and not everyone will qualify for the same rate. Rates are subject to change at anytime.</div></div></div><div class="section---mapbox-and-collection-list lo-page-homebuyer-resources"><div class="container"><div class="learn-section"><div class="learn-top"><div class="learn-top__title"><div class="learn-top__image"><img loading="lazy" src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/673343acc441d27e840d0e2c_add_home-black.svg" alt=""/></div><h3 class="no-margin">Homebuying Resources</h3></div><a data-w-id="565404d4-7c2f-719b-3011-9cc8cf60d1f0" href="/learn/homebuying-resources" class="link-blue no-mobile w-inline-block"><div class="w-inline-block">All Homebuying Resources</div><div style="width:0.6em" class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow-3"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></a></div><div class="learn-content"><div class="learn-main w-dyn-list"><div role="list" class="w-dyn-items"><div role="listitem" class="w-dyn-item"><a data-w-id="565404d4-7c2f-719b-3011-9cc8cf60d1fa" href="/blog/buying-a-house-for-the-garage-the-shift-from-renting-to-owning-with-chris-k" class="learn-main__block w-inline-block"><div class="learn-main__image-container"><div class="learn-main__image-absolute"><img alt="Garage interior with workshop tools hanging on wall." loading="lazy" src="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/657770fbc25655b4f29d7149_iStock-1413927259%20(1).jpg" sizes="100vw" srcset="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/657770fbc25655b4f29d7149_iStock-1413927259%20(1)-p-500.jpg 500w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/657770fbc25655b4f29d7149_iStock-1413927259%20(1).jpg 727w" class="learn-main__image secondary hover-post-image"/></div></div><div class="learn-main__bottom"><h3 class="no-margin">Buying a House for the Garage: The Shift From Renting to Owning with Chris K.</h3><div class="post-time w-condition-invisible"><div class="post-time__icon w-embed"><svg width="15" height="18" viewBox="0 0 15 18" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M5 1.64835V0H10V1.64835H5ZM6.66667 10.7143H8.33333V5.76923H6.66667V10.7143ZM7.5 17.3077C6.47222 17.3077 5.50347 17.1119 4.59375 16.7205C3.68403 16.329 2.88889 15.7967 2.20833 15.1236C1.52778 14.4505 0.989583 13.6641 0.59375 12.7644C0.197917 11.8647 0 10.9066 0 9.89011C0 8.87363 0.197917 7.91552 0.59375 7.0158C0.989583 6.11607 1.52778 5.32967 2.20833 4.65659C2.88889 3.98352 3.68403 3.45124 4.59375 3.05975C5.50347 2.66827 6.47222 2.47253 7.5 2.47253C8.36111 2.47253 9.1875 2.60989 9.97917 2.88462C10.7708 3.15934 11.5139 3.55769 12.2083 4.07967L13.375 2.92582L14.5417 4.07967L13.375 5.23352C13.9028 5.92033 14.3056 6.65522 14.5833 7.43819C14.8611 8.22115 15 9.03846 15 9.89011C15 10.9066 14.8021 11.8647 14.4062 12.7644C14.0104 13.6641 13.4722 14.4505 12.7917 15.1236C12.1111 15.7967 11.316 16.329 10.4062 16.7205C9.49653 17.1119 8.52778 17.3077 7.5 17.3077ZM7.5 15.6593C9.11111 15.6593 10.4861 15.0962 11.625 13.9698C12.7639 12.8434 13.3333 11.4835 13.3333 9.89011C13.3333 8.2967 12.7639 6.93681 11.625 5.81044C10.4861 4.68407 9.11111 4.12088 7.5 4.12088C5.88889 4.12088 4.51389 4.68407 3.375 5.81044C2.23611 6.93681 1.66667 8.2967 1.66667 9.89011C1.66667 11.4835 2.23611 12.8434 3.375 13.9698C4.51389 15.0962 5.88889 15.6593 7.5 15.6593Z" fill="#AFAFC0"/> </svg></div><div class="w-dyn-bind-empty"></div><div>min read</div></div><div class="primary-button-3 left learn-main__button">Read More</div></div></a></div></div></div><div class="learn-main w-dyn-list"><div role="list" class="learn-list w-dyn-items"><div role="listitem" class="w-dyn-item"><a data-w-id="565404d4-7c2f-719b-3011-9cc8cf60d20d" href="/blog/homestead-exemptions" class="learn-post w-inline-block"><div class="learn-post__image-container no-mobile"><img alt="rural landscape with street dividing home 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href="/blog/how-much-house-can-i-afford-5-practical-steps-to-determine-your-home-buying-budget" class="learn-post w-inline-block"><div class="learn-post__image-container no-mobile"><img alt="Home" loading="lazy" src="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/67472fd4ff199d42427375e5_Jumbo%203.jpg" sizes="100vw" srcset="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/67472fd4ff199d42427375e5_Jumbo%203-p-500.jpg 500w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/67472fd4ff199d42427375e5_Jumbo%203-p-800.jpg 800w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/67472fd4ff199d42427375e5_Jumbo%203.jpg 900w" class="hover-post-image learn-post__image"/></div><div class="learn-post__info"><h4 class="no-margin">How Much House Can I Afford? 5 Practical Steps to Determine Your Home Buying Budget</h4><div class="post-time"><div class="post-time__icon w-embed"><svg width="15" height="18" viewBox="0 0 15 18" fill="none" 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Rates will vary depending on your loan term, loan type, credit profile & score, down payment, qualifying ratios, and property collateral. Monthly payments do not include property taxes, property insurance, and homeowners’ association dues. Since costs can vary based on a loan program, closing costs are not shown in examples. To qualify for a mortgage, borrowers must be U.S. citizens or permanent residents, and meet Lower’s underwriting and Investor requirements. Interest rate examples are as of 03/17/2025. All loans are subject to underwriting or investor approval. Other restrictions may apply. This is not an offer of credit or a commitment to lend. Rate subject to change depending on time of lock.</p><p>© 2025 Lower, LLC | NMLS#1124061 | <a target="_blank" href="http://www.nmlsconsumeraccess.com/">www.nmlsconsumeraccess.com</a> | 2021 Lower Holding Co. Lower is a family of Companies. Conducts business as Lower.com, LLC in 38 States. Arizona, Arkansas, California, Connecticut, Delaware, District of Columbia, Florida, Idaho, Iowa, Kansas, Kentucky, Louisiana, Maine, Massachusetts. Minnesota, Mississippi, Missouri, Montana (Lowerdotcom, LLC), Nebraska, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma (Lower Mortgage, LLC), Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.</p></div><div class="v2-legal w-richtext"><p>‍</p></div><div class="v25-legal-final"><div class="flex-h-center-left col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5ef508d34c1d0626daa06fa4_icon_equalHousingLender.svg" loading="lazy" alt="Equal Housing Lender Icon" class="icon-small ehl-edit"/><div class="ds24-legal v25-ehl-text"> EQUAL HOUSING OPPORTUNITY</div></div><div class="ds24-legal ash medium">NMLS ID #1124061</div><div class="ds24-legal ash medium last">Copyright © <span data-current-year="1">2024</span> Lower, LLC. All rights reserved.</div><div class="ds24-legal"><a href="https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1124061"> nmlsconsumeraccess.org</a></div></div><div class="w-embed"><style> .be-related-link-container { } .be-list { display: flex !important; flex-direction: column !important; } .be-label { opacity: 1; color: #6a6b76; margin-top: 0 !important; margin-bottom: 1em !important; font-size: 1em !important; font-weight: 500 !important; line-height: 1em !important; font-family: Gotham,Arial,sans-serif !important; } .be-list-item { font-size: 14px !important; } .be-related-link { padding-top: 0.5em !important; padding-bottom: 0.5em !important; font-size: 1em !important; font-weight: 700 !important; line-height: 1.2em !important; display: block !important; color: #1a1a1a !important; font-family: Gotham,Arial,sans-serif !important; } </style></div></div></div></div></div><script src="https://d3e54v103j8qbb.cloudfront.net/js/jquery-3.5.1.min.dc5e7f18c8.js?site=5ef3b440084a4e99e1ef10f9" type="text/javascript" integrity="sha256-9/aliU8dGd2tb6OSsuzixeV4y/faTqgFtohetphbbj0=" crossorigin="anonymous"></script><script src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/js/webflow.schunk.b7cad701f94860c2.js" type="text/javascript"></script><script src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/js/webflow.schunk.396752f1d263b6d0.js" type="text/javascript"></script><script src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/js/webflow.f1d48059.b4a70742cf14abce.js" type="text/javascript"></script><script> document.addEventListener('DOMContentLoaded', () => { document.querySelectorAll('#nav-open').forEach(trigger => { trigger.addEventListener('click', function(){ document.querySelectorAll('.lower-body').forEach(target => target.classList.add('no-scroll')); 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// update total fee text $('#estimate-monthly-payment').text(formatNumber(calculateMonthlyPayment())); }); // purchase price input $('#purchase-price').on('input', function(){ // update project count text // $('.purchase-price').text($(this).val()); $('.purchase-price').text(formatPurchasePrice($(this).val())); // update total fee text $('#estimate-monthly-payment').text(formatNumber(calculateMonthlyPayment())); }); // down payment input $('#down-payment').on('input', function(){ // update project count text $('.down-payment').text($(this).val()); // update total fee text $('#estimate-monthly-payment').text(formatNumber(calculateMonthlyPayment())); }); // interest rate input $('#interest-rate').on('input', function(){ // update project count text $('.interest-rate').text($(this).val()); // update total fee text $('#estimate-monthly-payment').text(formatNumber(calculateMonthlyPayment())); }); // calculate total fee function calculateMonthlyPayment(){ // get purchase price const purchasePrice = Number($('#purchase-price').val()); // get down payment const downPayment = Number($('#down-payment').val()); // get interest rate const interestRate = Number($('#interest-rate').val()); // calculate monthly interest rate const monthlyInterestRate = interestRate / 12 / 100; // calculate money down const moneyDown = purchasePrice * (downPayment / 100); // calculate principal const principal = purchasePrice - moneyDown; // calculate monthly payment const monthlyPayment30 = principal * monthlyInterestRate * (Math.pow(1 + monthlyInterestRate, 360)) / (Math.pow(1 + monthlyInterestRate, 360) - 1); // display monthly payment const monthlyPayment15 = principal * monthlyInterestRate * (Math.pow(1 + monthlyInterestRate, 180)) / (Math.pow(1 + monthlyInterestRate, 180) - 1); // display monthly payment // Get the checkbox const checkBox = document.getElementById("loan-term"); // If the checkbox is checked, display the output calculation if (checkBox.checked == true){ return (Math.round(monthlyPayment15 * 100) / 100).toFixed(2); } else { return (Math.round(monthlyPayment30 * 100) / 100).toFixed(2); } } // format number function // e.g. 3500 becomes 3,500 function formatNumber(num){ return new Intl.NumberFormat('en-US', {style: 'currency', currency: 'USD', minimumFractionDigits: 2}).format(num); } function formatPurchasePrice(num){ return new Intl.NumberFormat().format(num); } </script></body></html>