What is P.M.I?

Private mortgage insurance, commonly referred to as PMI, is a type of insurance required on conventional loans where the loan amount is greater than 80% of the property value or purchase price. For conventional loans, the PMI may be eliminated once a minimum of 20% equity has been established.

Lender paid mortgage insurance. (LPMI)

LPMI allows borrowers to waive the monthly premium amount. The overall monthly payment is typically less than a loan with BPMI, even with a slightly higher interest rate.

Borrower paid mortgage insurance. (BPMI)

BPMI is a pre-determined premium amount that is added to your monthly mortgage payment.

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Client Testimonials

FacebookTwitterGoogle+LinkedIn “Tim was an excellent mortgage consultant.”

Melanie, Nicanor, & Anabella
San Leandro, CA

FacebookTwitterGoogle+LinkedIn “We love John Jeha. He has been a friend for many years. We have used him for several home loan products. Stonecastle was smooth and easy to work with.”

Pauline & Vernon Peterson
Tracy, CA

FacebookTwitterGoogle+LinkedIn “Are you looking for a reputable, honest, trustworthy, and extremely knowledgeable mortgage consultant? If so, Rainey Gray-Gross is the consultant. Our experience with Rainey was unbelievable. She identified the perfect product for our needs,...

Grant K.
San Ramon

FacebookTwitterGoogle+LinkedIn “Rainey and her team provided outstanding service. They treat you like family and have your best interest in mind…they made the process clear, efficient, and anxiety free!”

Tina A.

FacebookTwitterGoogle+LinkedIn Hey Chris, Thanks for all your hard work on this transaction! Most loan officers can do the easy ones. I know you were thrown some serious curve balls that were out of your control...

Steve Hansen-J Rockcliff Realtors

FacebookTwitterGoogle+LinkedIn “I love the day I can give my clients the key to their new home! Such an awesome couple! Congratulations to Guillaume and Jessica! Thank you Lynda D Plummer for introducing us and for...

Jill Norris

FacebookTwitterGoogle+LinkedIn “I have known Janine Lewis on a professional basis for over 17 years. She a is very professional, proficient and dedicated mortgage broker. Janine helped my family acquire a mortgage on our home in...

Leilani Randall

FacebookTwitterGoogle+LinkedIn “In the past 37 years I have owned 6 homes and refinanced many times. The care and professionalism I experienced with Stonecastle Land & Home Financial surpassed any other experience. I am so grateful...

Margaret DeTomaso

FacebookTwitterGoogle+LinkedIn “Janine was extremely helpful and patient with us through our entire loan approval process. Her communications with us were consistent and thorough-we’d highly recommend Janine and Stone Castle Land & Home Financial in the...

Richard Mohr

FacebookTwitterGoogle+LinkedIn “Rick is the best. My wife is a real estate agent and refers people to Rick all the time. We say id Rick can’t get it done no one can!”

Dale Taylor

FacebookTwitterGoogle+LinkedIn “Rick Del Pozzo was excellent at understanding my personal situation and financing needs. First class Professionalism !”

John Resch

FacebookTwitterGoogle+LinkedIn “Everything went very smooth! Rick Del Pozzo came to me about the refit option an me a lot of money!”

Kevin Clark

FacebookTwitterGoogle+LinkedIn “We LOVED Olivia!! She is amazing and we will definitely refer friends to her!”

Ron & Karina Bird

FacebookTwitterGoogle+LinkedIn “Olivia’s professional knowledge and guidance made a challenging and tedious process easy!!”

Jenny Gago

FacebookTwitterGoogle+LinkedIn “Olivia Filion is a true professional! Not only did she make our loan a smooth process but she was a joy to work with!”

Paul Barnett & Amy Fabry

FacebookTwitterGoogle+LinkedIn “From first contact Ann Miller communicated with confidence, knowledge, and experience. I have told everyone I know in CA to consider Ann for their next refi or purchase. Cannot recommend her more highly-Excellent!!”

Carolyn Lewis

FacebookTwitterGoogle+LinkedIn “I have been working with Ann Miller for several months trying to refinance my existing mortgage. I have never met anybody as service oriented and customer focused as Ann. Ann has the ability to...

Alicia F

FacebookTwitterGoogle+LinkedIn “Ann is a master at communication and making all clients feel comfortable. I have recommended her to many real estate clients. She raises the bar for good mortgage banking service. If you need a...

Richard Kuhr

FacebookTwitterGoogle+LinkedIn ” We made the mistake of working with Bank of America for our last refinance. After 2 months, they turned us down for reasons we still do not understand. Chris Brent was referred to...

Kelly McCoy and Mike McCoy

FacebookTwitterGoogle+LinkedIn “We highly recommend Chris Brent and his team at Stone Castle. They treated us like family from start to finish and worked very hard to find us the very best loan for our situation....

Ryan and Jessica Madigan

FacebookTwitterGoogle+LinkedIn “Chris has been our lender of choice for many years. He took great care in walking us through our first home loan almost 14 years ago and did an amazing job recently with helping...

Chris and Aimee Knese

FacebookTwitterGoogle+LinkedIn “Rainey handled the challenges of the transaction and my “intensity” with confidence, grace and a “can do” attitude…but more importantly she showed me that she truly cared.”

Chris R.

FacebookTwitterGoogle+LinkedIn “Rainey Gray-Gross did a fabulous job as she’s always does finding me the best deal possible and was able to take away a lot of the stress.”

Anne H.

FacebookTwitterGoogle+LinkedIn “I appreciate the way you went above and beyond to make the stressful and confusing mortgage process easier on me, by patiently explaining what needed to happen and answering all my questions.”

Eric N.

FacebookTwitterGoogle+LinkedIn “With the TRID regulation adding days to transactions, Rich and his team successfully navigated the loan from beginning to end with no surprises and we closed ahead of schedule. I would recommend their services...

Sari McClure and Traci Miller (Pacific Union)

FacebookTwitterGoogle+LinkedIn “It was our pleasure working with you. We love working with lenders such as yourself who work diligently on their buyer’s behalf. Mike and I look forward to working with you in the future.”

Wendy Flores, Tripointe Homes

FacebookTwitterGoogle+LinkedIn “You guys did a bang up job making the process simple and straight forward. Your attention to detail and follow up was most appreciated! Bottom line, you guys rock!”

Aaron Smith & Paige Dunn

FacebookTwitterGoogle+LinkedIn “Karen does an amazing job at explaining everything, communicating timely, and getting the job done! She has done 2 loans for us mow and we won’t go anywhere else!”

Garrett & Laurel Baker

FacebookTwitterGoogle+LinkedIn “This was our first home purchase and Karen made us feel safe and taken care of all the way through the process! Thank You Karen!”

Jacob & Stacy Giannassi

FacebookTwitterGoogle+LinkedIn “Karen Douglas is top notch! She works hard to find the right fit and communicates all options. Her ability to make you feel comfortable during a stressful time is second to none!”

Jeffrey Scalisi

FacebookTwitterGoogle+LinkedIn “Ken has provided us with first-class customer service over the past 5 years as our Loan Agent. He is very proactive in reaching out to us during this time and makes us aware of...

Scott & Denisce Whitacre

FacebookTwitterGoogle+LinkedIn “Ken Harmon was very professional. He was creative and resourceful during our refi process to help us meet our unique finance needs and requests. We have been working with Ken for 8 years. He...

David & Abigail Ehrhorn

FacebookTwitterGoogle+LinkedIn “Ken is the best! Every time he is on top of every possibility and every bump in the road. We will go no where else!”

Michael & Cindy Ennis

FacebookTwitterGoogle+LinkedIn “Kyle was very helpful with all aspects of my transaction. He is very professional and the transaction went smoothly. Thanks, Kyle!”

Jeremy

FacebookTwitterGoogle+LinkedIn “Kyle is very positive, knowledgeable and patient. And his support staff was very professional. We highly recommend them!”

Jim Gurule

FacebookTwitterGoogle+LinkedIn “We recommend Kyle Davis. He kept us informed from the beginning of the loan to the end. He was always quick to respond to any questions we had and made us feel secure in...

John Kunz

FacebookTwitterGoogle+LinkedIn “Thank you so much for supporting our baseball team! We had a great season and enjoyed having your son Thomas pitch for the cubs. We look forward to sending loans your way and again...

The Cubs

FacebookTwitterGoogle+LinkedIn “Thank you so much for all your hard work on our refinance Lynda. With the savings, we can put away extra funds to assure Kayla gets to college one day! We appreciate all the efforts on...

Tim and Leslie Keller

FacebookTwitterGoogle+LinkedIn “Lynda Plummer made buying our first home together a great experience. She was always on top of everything and went above and beyond the call of duty. Lynda drove our packet 3 hours away...

Mr. & Mrs. Kelsey

FacebookTwitterGoogle+LinkedIn “Nick has been a great support through this process. he helped us quite a few years ago. Knowing his skills and professionalism we came back again-and will again!”

Richard & Mary Johnson

FacebookTwitterGoogle+LinkedIn “Nick Rosen was fantastic! He answered all of my questions in a timely and courteous and clear manner. I really appreciate all of his help. ”

Anne Gordon

FacebookTwitterGoogle+LinkedIn “Nick is extremely professional and thorough! I never worried that anything would fall through the cracks and I knew he had my best interests in mind!”

Stephanie Bruzzese

FacebookTwitterGoogle+LinkedIn “Susan Woodhams is the best loan agent we have ever used! She is thorough, knowledgeable and very proactive. We would use her for anything in the future!”

Michael & Stephanie Olson

FacebookTwitterGoogle+LinkedIn “Several years ago a real estate agent gave me Susan’s business card and when I decided to refinance my home I gave her a call and I am so glad that I did! She...

Sylvia Mcdougall

FacebookTwitterGoogle+LinkedIn “Very happy to work with Susan Woodhams. Always very professional and understanding!”

Jason & Shalika Noriega

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What is PMI?

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