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A smarter way
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Expert guidance. Modern tools. A simpler mortgage experience built around you.

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Ready for the full application? Apply now

  • No hard pull to start
  • Direct help from Michael
  • Secure borrower portal
Buy a homePlan payment, cash, and pre-approval. Review a refinanceCompare costs, term, and break-even. CalculateExplore payment, cash, and costs. Work with a proGet direct guidance from Michael.

California payment planner

Start with the monthly picture.

Adjust a few assumptions to estimate principal, interest, property taxes, and homeowners insurance before you search or apply.

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Starts with an editable planning rate while current pricing is refreshed. Taxes use a 1.25% California planning assumption and insurance uses 0.35%. This is a planning estimate, not a quote or lock. Get the actual rate for your scenario.

Estimated monthly payment$5,487Before HOA and mortgage insurance
Principal & interest$4,354
Property taxes$885
Homeowners insurance$248
Check affordability Open full payment calculator
Refinance break-evenCompare a current loan with a new option. Cash-out and equityEstimate available cash and the resulting LTV. California closing costsPlan lender, title, escrow, and prepaid costs.

Pricing update in progress

We will not label an old rate sheet as today’s pricing.

The latest public sheet is dated October 21, 2026 at 9:32 AM PT. Michael can review current pricing for your actual scenario.

Request current optionsSee assumptions

Your first review

Leave with a plan, not a sales pitch.

Your first review is designed to answer the useful question: what changes, what does it cost, and what should you do next?

Reviewed by Michael BananMortgage Advisor · Individual NMLS #251505About Michael
A side-by-side comparisonPayment, rate, APR, points or credits, cash needed, and loan term.
The assumptions behind itKnow which details are estimates and what can change the result.
A document checklistOnly the information needed for the useful next step.
A direct recommendationProceed, keep watching, or choose a different structure.

A clear process

Know what is happening and what comes next.

  1. 01

    Share estimates

    Tell us your goal and a few starting numbers. No hard credit pull.

  2. 02

    Get your review

    Michael compares the structure and explains the meaningful tradeoffs.

  3. 03

    Choose whether to apply

    Continue only after the numbers and next requirements make sense.

  4. 04

    Track everything securely

    Keep the application, documents, messages, and progress together.

Before you begin

Straight answers to the first questions.

MortgageDoor starts with planning and makes the transition to a formal application explicit.

Can I start without a hard credit pull?

Yes. Start with estimates. Michael will explain when credit authorization is needed for formal qualification and lender pricing.

What will I receive after the initial review?

A plain-language planning summary of relevant structures, estimated payment and cash needs, key tradeoffs, and the next documents or decisions needed.

Is MortgageDoor a lender?

MortgageDoor is a California licensed mortgage broker. Michael reviews available wholesale lender options and helps you compare the full loan structure.

When does this become a formal application?

The 60-second review is an initial planning request, not a formal loan application or Loan Estimate. Formal disclosures and credit authorization occur only if you choose to proceed.

Your MortgageDoor portal

Your loan details, without the chase.

Keep documents, messages, tasks, and loan progress together in your secure borrower portal.

  • Secure document uploads tied to your application
  • Current tasks and document requests
  • Loan progress and team messages
Sign in to your portal

Useful next steps

Learn, calculate, or start.

Explore resources
Current ratesCompare live near-par and lower-rate options with APR and pricing disclosure.View pricing Mortgage calculatorsExplore payment, affordability, refinance, cash-out, and amortization scenarios.Run a calculation Loan programsReview purchase, refinance, equity, government, and specialty mortgage options.Explore programs

A useful first step

Ready for a clearer mortgage review?

Share a few estimates. Michael will help you understand the options and the real next step before you decide whether to apply.

Start my review Call (858) 531-2442