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Brian Nuernberger, CMPS

Sr. Mortgage Consultant
NMLS ID #274331
Metro Cell: 303-668-7406
Mtn office: 970-393-0485

Customer Reviews

About Brian

Brian is a Senior Mortgage Consultant at Alliance Mortgage Group, Inc. bringing over 18 years of experience in consumer lending with a particular emphasis in the unique mountain home environment. His expertise ranges from assisting the first time homebuyer to financing several homes for an investor.

Brian has always gravitated towards using the best technology available to improve the process and outcome for his clients. Brian streamlines the application process for his clients with the latest mobile technology validating income and assets; enabling underwriting and loan pre-approvals to take minutes hours instead of days.

With Brian’s guidance and expertise, his clients are assured they will receive a loan program tailored to their individual financial needs in additional to receiving reliable personal service. You can track your loan’s progress through email or text message ensuring that your mortgage closes in an efficient and stress-free manner.

In this ever changing mortgage and real estate market, it is important to have someone on your side who sets the right expectations and works with you to achieve your goals - that’s Brian Nuernberger.

In his free time, Brian enjoys spending time with his wife Laurie and their dogs – Lulu, Lola, Willie & Paisley. He enjoys traveling across the country, camping, snowmobiling, going to concerts and Rockies games. Most of all Brian is thrilled to help others achieve their dreams of homeownership.

Calculate Your Monthly Mortgage Payment

Calculate your monthly payment with applicable financial charges, PMI, hazard insurance, and property taxes.

Loan Information

Interest Rate

Property Information

Home Value

Taxes And Insurance Information

Annual Taxes
Annual Insurance
Annual Private Mortgage Insurance (PMI)

Monthly Principal & Interests $1,342.05
Monthly Real Estate Taxes $250.00
Monthly Insurance $125.00
Loan To Value Ratio 83.33%
Months With PMI 31
Monthly PMI $177.08
Total Monthly Payments $1,894.14

As you can see, your payment will vary depending on how much you will be borrowing, the interest rate, and the length of your loan. Other factors also need to be taken into consideration, such as your taxes, your insurance, and your PMI, all of which are included in your monthly house payment. Even the value of your home will affect your payment.

Just as an example, let's say you are borrowing $250,000.00 for 30 years with an interest rate of 5.000%. If the value of your home is $300,000.00, your property taxes $3,000.00 per year and your insurance is $1,500.00 per year, you can expect to be making a total payment of $1,894.14. This is because you need to pay $1,342.05 toward the actual loan, plus $250.00 for real estate taxes and $125.00 toward insurance.

Since your loan to value ratio is 83.33%, you will also have to pay PMI for 31 months and this will tack on an extra $177.08 a month. Don't forget to drop the PMI when the 31 months is complete and you might save yourself some money each month, but remember, that, in most cases, you will need to finish re-appraisal process to do so.

Disclaimers: The information provided by these calculators is for illustrative purposes only. There is NO WARRANTY, expressed or implied, for the accuracy of this information or it's applicability to your financial situation. The default figures shown are hypothetical and may not be applicable to your individual situation. The calculated results are also intended for illustrative purposes only and accuracy is not guaranteed. There is not tax or financial advice given. Default and calculated tax data are for illustrative purposes only. Be sure to consult a tax or financial professional regarding your specific situation and before relying on the results.

Any hypothetical monthly mortgage payments reflect hypothetical Principal & Interest amounts rounded to the nearest dollar amount and may not include insurance, taxes, or other possible fees. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer.

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