(512) 997-4618 · [email protected] · NMLS #1171257
Maria Sweet Sr Mortgage Loan Officer
My journey to becoming a residential mortgage loan officer started with UFCU more than five years ago. I began my career as a consumer loan officer where I was able to educate and help our Members find the best solutions for their financial needs. One of the integral skills I learned during this time was how to educate my clients while delivering exceptional service. Purchasing or building a home can sometimes be a very confusing and overwhelming experience. However, it is the best way to build long-term financial wealth and security. I strive to help my clients feel secure in their decisions while guiding them through the home-buying process. I am committed to serving my clients to the highest level and look forward to a long-term relationship serving their financial needs.
On a personal note, my husband and I have three children and love spending time watching our youngest boy play select baseball. Our oldest daughter is a graduate of Texas State, so we are proud to say we are a Bobcat family. Our son (middle child) is a United States Marine who serves our beautiful country. When we are not with our children, we are either enjoying Lake Travis or visiting Fredericksburg, Texas.
Apply Now (opens in a new window) Log In (opens in a new window)Calculators
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Find Your Ideal Monthly Mortgage Payment
Wondering how much you should commit to paying monthly for a new home? When you repay a mortgage, you make monthly payments to your lender. These payments cover both the loan principal and interest. Over time, the amount going toward the principal increases as your balance decreases, but your monthly payment stays the same. Your mortgage payments might also include property taxes, homeowner's insurance, and HOA dues, which often go into an escrow account managed by your lender.
You can calculate your monthly payment with these key factors:
- The price of the home
- Your down payment
- Annual property taxes
- HOA dues
- Insurance and Mortgage Insurance costs (Your down payment can affect how much mortgage insurance you pay.)
- Start by entering the home purchase price.
- Enter how much you will pay for a down payment.
- Enter the estimated annual property taxes you will pay.
- Enter estimates for HOA dues and home insurance costs.
- Adjust the loan term and interest rate to reflect your situation and learn how much of a monthly payment you can afford.
Our online calculators are designed for educational and informational purposes only. They are intended to provide general guidance and estimates based on the information you provide. These tools should not be used as the sole basis for making financial decisions. We recommend consulting with a qualified financial advisor to obtain personalized advice tailored to your specific financial situation. There is no guarantee on the loan terms presented in the calculation. -
Calculate How Much You Can Afford to Put Down
Wondering how much you should spend on the down payment of a new home? It's simple math: the bigger your down payment, the smaller your mortgage loan and the less interest you'll pay over time. Your down payment can affect your loan eligibility too. Typically, you'll need at least 3% for a down payment, but many loans require 5% or more. If you put down less than 20%, most lenders will ask you to pay Private Mortgage Insurance (PMI) until your loan-to-value ratio hits 80%. It's smart to keep a cash cushion for unexpected expenses when buying a home. Talk to your lender to find the right down payment for you.
You can calculate a down payment that makes sense with these key factors:
- The price of the home
- The loan term
- The length of time you plan to live in the home
- Your down payment
- The interest rate
- The mortgage insurance rate
- Start by entering the home purchase price.
- Enter the loan term and the length of time you plan to live in the home.
- Enter one amount pay for a down payment along with the interest rate and mortgage insurance rate.
- Enter details for a second down payment for comparison purposes.
- Adjust these factors to learn how much of a down payment you can afford.
Our online calculators are designed for educational and informational purposes only. They are intended to provide general guidance and estimates based on the information you provide. These tools should not be used as the sole basis for making financial decisions. We recommend consulting with a qualified financial advisor to obtain personalized advice tailored to your specific financial situation. There is no guarantee on the loan terms presented in the calculation.
Making Homeownership Easier
UFCU strives to lead the way when it comes to making sure every Member of our community has a path to homeownership. It is with this in mind that we continually listen, respond, and provide what you need to help you live the life you want to live. In this way, we not only serve you, but contribute to the well-being of our communities.
When you’re ready to invest in your next home, our UFCU Mortgage ServicesTM loan officers are ready to help you find the right mortgage for you.
Rates
Our rates are competitive and change frequently to reflect the most up-to-date market values so you can trust that you're getting great rates. Keep in mind that our rates are subject to change without notice.
Apply
Ready to apply? Our online loan application will take you through the process.
Apply Now (opens in a new window)Maria Sweet
Direct: (512) 997-4618
Email: [email protected]
NMLS #1171257
UFCU Mortgage Services
(800) 476-8409
(512) 997-HOME (4663)
NMLS #441215
8303 N Mopac Ste A105, Austin, TX 78759 (opens in a new window)
1 The translation of materials into any language other than English is intended solely to convenience non-English-speaking Members. Materials translated from English will not replace, change, or alter the meaning of the original materials as written in English. Materials translated from English will not be legally binding to UFCU. UFCU only intends to be bound by the original materials as written in English.
All materials available in English are applicable to all Members, regardless of English language proficiency. UFCU has attempted to provide accurate translations of materials originally written in English, but there may be slight linguistic variations due to the nuances involved with foreign language translation. For the most clear, accurate, and relevant information, please reference original materials as written in English. The original materials written in English will be referenced in most translated documents.