Real Reviews from Real Homebuyers

Jill

Richmond, VA

"Clavis was responsive and informative. He helped my buyer by closely watching the market so she could lock in at a lower rate."
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Crunch The Numbers!
Estimate Your Payment

Get an idea of what your monthly payment may look like. For a full estimate, call me, your mortgage expert!

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$

5%

1%

6%

0%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Insurance $1421

Monthly PMI $0

Legal Disclosures

The AFG mortgage calculator is for estimation purposes only. Results do not reflect all loan programs and are subject to individual program loan limits. Qualification, rates and payments will vary based on timing and individual circumstances. This is not a commitment to lend.

Here’s a payment example based on an average home price and the most common loan type:

Loan amount: $300,000
Loan type: 30-year Fixed-Rate Loan
Interest rate/APR: 7.375% (7.692% APR)
Monthly payment: $2,072.03
Points: 1.875 points, costs due at closing
Loan-to-value (LTV): 80.00%

One point is equal to one percent of your loan amount. Payment does not include taxes and insurance. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. Rates shown are valid on publication date of April 18, 2024.

1If you didn’t enter taxes and insurance amounts, an estimate of your taxes is based on the state selected. This does not include all fees.

Resources

Downloadable Guides

We’ve created these guides to be a valuable resource to walk you step-by-step through your next adventure.

About Clavis

Clavis A. Smith is a Loan Officer in the Columbia, South Carolina branch of Assurance Financial. He is a 34-year veteran of the mortgage business and has assisted thousands of customers with home mortgage transactions. Whether buying your first home, a new home, renovating or refinancing your current home, Clavis is experienced in all types of mortgage products and transactions. His goal is to find the best product to fit your financial profile and help you succeed with your financial goals. Clavis’ experienced team will support and keep you informed throughout the process and will always be there to service your mortgage transaction during origination, processing, closing and even well after settlement. Clavis is licensed in the state of Virginia with the Nationwide Mortgage Licensing System and Registry.

Assurance Financial’s mission is to support our community with responsible and professional lending one home at a time. For a personal consultation, please complete our secure online application by clicking the Apply Now button above. We look forward to working with you and bringing your transaction to a successful and stress-free conclusion.

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My Services
  • New Home Purchase Loans
  • Refinance Loans
  • FHA and Rural Development Loans
  • Veteran (VA) Loans
  • Construction and Renovation Loans

Send Clavis a message

2222 Devine Street
Columbia, SC 29205

(804) 592-9888

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Free Realtor Tools

My Realtor partners get free access to marketing tools such as single property websites, open house flyers, database management software, and more! Email me to get started.

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Realtor Resources

Downloadable Guide for Realtors

This helpful mortgage guide is a great resource for our partners. Check it out!