Anna Penner

Mortgage Originator
NMLS# 2590786

Phone: (432) 847-8668
annapenner@lendmire.com
“Your Local Mortgage Expert”

#BeAdmired

“Real Estate is not just about property, its about people.”

As your mortgage loan officer this quote embodies my objective… It’s about you! Whether you’re stepping into homeownership for the first time, expanding your investment portfolio, or making your next big move. I’m here to guide you every step of the way. The journey to your dream home is personal, and that’s how I approach every client relationship: with a deep commitment to understanding your unique goals, challenges, and aspirations. My approach is simple: I listen, understand, and craft solutions that align with your unique goals. I believe that every milestone, no matter how big or small, deserves to be celebrated with care and attention. Let’s work together to make this process not only seamless but also meaningful, as we turn your vision into a reality.

Licenses & Certifications

TX – Mortgage Originator License

Calculator

Payment Breakdown

$1,747.20

per month

Principal & Interest $1,297.20
Taxes $100.00
Insurance $100.00
HOA Dues $0.00
PMI $250.00

Loan Details

Home Value: $200,000.00
Mortgage Amount: $200,000.00
Monthly Conventional Payment: $1,297.20
Down Payment: $0.00
Monthly Estimated PMI: $250.00

Monthly Mortgage Payment

$1,747.20

Loan Amount

$200,000.00

Your Debt to Income Ratio

34.94%/64.94%

Allowable Debt to Income Ratio

50%/50%

Purchase Price $200,000

Down Payment $0

Summary: Based on what you input into today your Total Payment would be $1,747.20 on a Conventional Loan with a 0.00% Down Payment. Your Debt-to-Income Ratio is 34.94%/64.94% and the maximum allowable on this program type is 50%/50%. Please confirm all these numbers for accuracy with your loan officer. The Monthly Debts Calculation is often where we see errors.

Payment Breakdown

$2,375.51

per month

Principal & Interest
Taxes
Insurance
HOA Dues
MIP

Loan Details

Home Value:
Base Loan Amount:
Monthly FHA Payment:
Down Payment:
FHA Loan Amount:
Upfront MIP:

Monthly Mortgage Payment

Loan Amount

Your Debt to Income Ratio

/

Allowable Debt to Income Ratio

46.9%/56.9%

Purchase Price $200000

Down Payment $0

Summary: Based on what you input into today your Total Payment would be $2850 on a FHA Loan with a Down Payment of 15%. Your Debt-to-Income Ratio is 32%/45% and the maximum allowable on this program type is 46.9%/56.9%. Please confirm all these numbers for accuracy with your loan officer. The Monthly Debts Calculation is often where we see errors.

Payment Breakdown

$2,375.51

per month

Principal & Interest
Taxes
Insurance
HOA Dues

Loan Details

Home Value:
Base Loan Amount:
Monthly VA Payment:
Down Payment:
VA Loan Amount:
VA Funding Fee:

Monthly Mortgage Payment

Loan Amount

Your Debt to Income Ratio

/

Allowable Debt to Income Ratio

65%/65%

Purchase Price $200000

Down Payment $0

Summary: Based on what you input into today your Total Payment would be $2850 on a VA Loan with a Down Payment of 15%. Your Debt-to-Income Ratio is 32%/45% and the maximum allowable on this program type is 65%/65%. Please confirm all these numbers for accuracy with your loan officer. The Monthly Debts Calculation is often where we see errors.

Payment Breakdown

$2,375.51

per month

Principal & Interest
Taxes
Insurance
HOA Dues
USDA MIP

Loan Details

Home Value:
Base Loan Amount:
Monthly USDA Payment:
Down Payment:
USDA Loan Amount:
USDA Guarantee Fee:

Monthly Mortgage Payment

Loan Amount

Your Debt to Income Ratio

/

Allowable Debt to Income Ratio

29%/41%

Purchase Price $200000

Down Payment $0

Summary: Based on what you input into today your Total Payment would be $2850 on a USDA Loan with a Down Payment of 15%. Your Debt-to-Income Ratio is 32%/45% and the maximum allowable on this program type is 29%/41%. Please confirm all these numbers for accuracy with your loan officer. The Monthly Debts Calculation is often where we see errors.

Payment Breakdown

$2,375.51

per month

Principal & Interest
Taxes
Insurance
HOA Dues
PMI

Loan Details

Home Value:
Mortgage Amount:
Monthly Conventional Payment:
Down Payment:
Monthly Estimated PMI:

Monthly Mortgage Payment

Loan Amount

Your Debt to Income Ratio

/

Allowable Debt to Income Ratio

50%/50%

Purchase Price $200000

Down Payment $0

Summary: Based on what you input into today your Total Payment would be $2850 on a Jumbo Loan with a Down Payment of 15%. Your Debt-to-Income Ratio is 32%/45% and the maximum allowable on this program type is 50%/50%. Please confirm all these numbers for accuracy with your loan officer. The Monthly Debts Calculation is often where we see errors.

	Buying	Renting
Cash Spent	$	$
Home value	-$	--
Balance on Loan	$	--
Closing costs on sale	$	--
Adjusted Net Cash Savings	$	$

Disclaimer: Results received from this calculator are designed for comparative purposes only, and accuracy is not guaranteed. We do not guarantee the accuracy of any information or inputs by users of the software. This calculator does not have the ability to pre-qualify you for any loan program which should be verified independently with one of our Mortgage Loan Originators. Qualification for loan programs may require additional information such as credit scores and cash reserves which is not gathered in this calculator. Information such as interest rates and pricing are subject to change at any time and without notice. Additional fees such as HOA dues are not included in calculations. All information such as interest rates, taxes, insurance, PMI payments, etc. are estimates and should be used for comparison only. We do not guarantee any of the information obtained by this calculator. This information is not intended to replace the advice of a tax or financial professional.

All-in-One Solution

Our Loan Process...

PRE-APPROVAL

A loan pre-approval sets you up for a smooth home buying experience.

SHOP

Start working with a real estate agent and viewing homes.

LOAN APPLICATION

A few documents are needed to get a loan file through underwriting.

LOAN PROCESSING

Assemble all the necessary paperwork and details for the underwriter.

UNDERWRITING

They closely evaluate all the documentation in the loan package.

CLOSING

Documents are drawn and sent to the title company for closing.

Mortgage Insights

Client Reviews

Anna Penner

Calculator

Affordability Calculator

What is most important to you?

Current Loan

New Loan

Mortgage Information

Optional Information

Buying Assumptions

Renting Assumptions

What is most important to you?

Current Loan

New Loan

Email Me This

Payment Breakdown

Loan Details

$1,747.20

$200,000.00

34.94%/64.94%

50%/50%

Payment Breakdown

Loan Details

/

46.9%/56.9%

Payment Breakdown

Loan Details

/

65%/65%

Payment Breakdown

Loan Details

/

29%/41%

Payment Breakdown

Loan Details

/

50%/50%

Payment Breakdown

Early Payoff Strategy

Lump Sum Payment

$

$

Monthly Payment Comparison

$

Total Interest Comparison

Results Summary

2

$43,244

$43,244

$43,244

Payment Breakdown

Early Payoff Strategy

Lump Sum Payment

$

$

Monthly Payment Comparison

$

Total Interest Comparison

$

%

Deal Breakdown

Deal Metrics

%

Return Metrics

$

$

Deal Breakdown

Deal Metrics

%

%

Return Metrics

All-in-One Solution

Our Loan Process...

PRE-APPROVAL

SHOP

LOAN APPLICATION

LOAN PROCESSING

UNDERWRITING

CLOSING

Common Mortgage Myths Debunked

How to Choose the Right Mortgage Lender or Broker