THE MOYLAN TEAMHOME FINANCING, MADE CLEAR.
Chris Moylan | NMLS #304773
443-623-0609 · cmoylan@themoylanteam.com
PURCHASE SCENARIO ANALYSIS

Purchase timing comparison

Compare purchase timing, financing payments, and estimated equity under adjustable assumptions.

START WITH YOUR HOME

Included in the cost of waiting
What if rates fall by...1.00%
Future rate adjusts automatically in the comparison.
Annual home-price change+5%
FINANCING SCENARIOS

What this means

Estimates based on principal and interest only. Not a loan offer or commitment to lend.

12-month ownership and waiting-period measures

Automatically calculated over your selected waiting period, before the waiting buyer purchases.

These are separate indicators, not amounts to add together. Rent during waiting period is not net savings because owners also make mortgage payments and pay ownership expenses. Appreciation is hypothetical and can be negative. Price negotiation is already reflected in your purchase price.

See mortgage balances and home equity at 1, 3 and 5 years

Equity includes down payment and assumes the same home and appreciation path. It is not cash profit and excludes selling costs. The waiting buyer has fewer months of ownership at each date. Refinance equity excludes costs paid in cash.

For current owners: part of a current mortgage payment builds equity in the current home, and selling costs or equity from the current home are not modeled here.

FINANCIAL COMPARISON · SAME FUTURE DATE

Home equity is what you own. Money paid is what you spent. The bottom line compares each choice with waiting, rather than showing a confusing negative dollar amount.

The financial difference compares the change in estimated home equity and modeled cash expenditures between scenarios at the same future date. It is not a profit figure, investment return, or complete financial forecast. It includes down payments, mortgage principal and interest, rent while waiting, seller credits and refinance costs. It excludes taxes, insurance, mortgage insurance, HOA dues, maintenance, selling costs and the opportunity cost of invested cash. The same home and market-value path are assumed in each scenario. Future home value is identical at the same future date, whether bought now or later. Appreciation is applied to the assumed market value rather than the negotiated purchase price. Principal paydown and equity are displayed separately and are already reflected in the long-term comparison; they are not added again. The sample assumptions are illustrative, not claims about market offers or future appreciation. Results are sensitive to the assumptions selected.
ADVANCED OPTIONS · Negotiation and refinance costs

Assumes a 30-year fixed loan today; refinance at the end of the waiting period to the assumed lower rate, keeping the original remaining amortization term. Refinancing is not guaranteed. Seller credits reduce upfront cash in this simplified model; program limits apply.

The Moylan Team · Chris Moylan · NMLS #304773
Educational illustrations only. Not a loan estimate, loan approval, rate lock, appraisal, guarantee of future home values, or guarantee of refinancing. Future appreciation rates of 0%, 3% and 5% are scenarios, not forecasts. All rates, terms and concessions are hypothetical. P&I excludes property taxes, homeowners insurance, mortgage insurance, HOA dues and other housing costs. Actual results depend on borrower, property and market conditions. The net-position comparison is not a comprehensive cost-of-ownership or investment-return analysis. Consult your mortgage professional for a personalized comparison.