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Matthew M. Schermerhorn

Mortgage Loan Originator

NMLSR# 15631

CNB Mortgage Company
63 Monroe Avenue, Suite A | Pittsford, NY 14534

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Mortgage Calculator

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This is not a commitment to lend. Not all borrowers will qualify. This is for illustrative purposes only and estimates are based on information you provided. Interest rates, mortgage insurance rates, and programs are subject to credit approval and available rates and terms will vary, sometimes drastically, based on borrower eligibility and program selected. For accurate interest rates and mortgage insurance rates please contact your mortgage consultant. For illustrative purposes FHA/VA and USDA loan amounts will include an estimate for the financed upfront MI amount.

Refinance Calculator

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This is not a commitment to lend. Not all borrowers will qualify. This is for illustrative purposes only and estimates are based on information you provided. Interest rates, mortgage insurance rates, and programs are subject to credit approval and available rates and terms will vary, sometimes drastically, based on borrower eligibility and program selected. For accurate interest rates and mortgage insurance rates please contact your mortgage consultant. For illustrative purposes FHA/VA and USDA loan amounts will include an estimate for the financed upfront MI amount.

Affordability Calculator

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This is not a commitment to lend. Not all borrowers will qualify. This is for illustrative purposes only and estimates are based on information you provided. Interest rates, mortgage insurance rates, and programs are subject to credit approval and available rates and terms will vary, sometimes drastically, based on borrower eligibility and program selected. For accurate interest rates and mortgage insurance rates please contact your mortgage consultant. For illustrative purposes FHA/VA and USDA loan amounts will include an estimate for the financed upfront MI amount.
Ios288 b8477c223e77490789cccce49aedbf51
Matthew M. Schermerhorn

Mortgage Loan Originator

NMLSR# 15631

CNB Mortgage Company
63 Monroe Avenue, Suite A | Pittsford, NY 14534

Calculator Results

You can afford $300,000

Your Monthly Payment: $667/month
Total Loan Amount: $240,000
Estimated insurance needed:$667/month
MI rates provided by Logomgictrans12

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Rates Disclosure

Interest rates and APRs are based on current market rates, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score and other variables - call for details. This is not a credit decision or a commitment to lend.  Mortgage insurance may be required. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. Additional loan programs may be available. APR (annual percentage rate) reflects the effective cost of your loan on a yearly basis, taking into account such items as interest, most closing costs, discount points (also referred to as "points"), and loan-origination fees. One point is 1% of the mortgage amount (e.g., $1,000 on a $100,000 loan). Your monthly payment is not based on APR, but instead on the interest rate on your Note. Adjustable Rate Mortgage (ARM) rates assume no increase in the financial index after the initial fixed period. ARM rates and monthly payments are subject to increase after the fixed period.

Rates and APRs also assume owner occupied Single family residences with an 80 loan-to-value (20% Down payment).  Discount point have varied and can be found on www.freddiemac.com.  These mortgage averages are for loans in 1st Lien Position.  The historical Freddie Mac PMMS® data is provided "as is," with no warranties of any kind, express or implied, including, but not limited to, warranties of accuracy or implied warranties of merchantability or fitness for a particular purpose. Use of the data is at the user's sole risk. In no event will the advertiser on this app or Freddie Mac be liable for any damages arising out of or related to the data, including, but not limited to direct, indirect, incidental, special, consequential, or punitive damages, whether under a contract, tort, or any other theory of liability, even if Freddie Mac is aware of the possibility of such damages.

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About Matt Schermerhorn joined CNB Mortgage Company in October of 2015, bringing with him over 20 years of experience in the residential mortgage business. Prior to joining CNB Mortgage Matt was with First Niagara, Fairport Mortgage, and owned his own company, Wheatland Financial Group, Inc. Matt utilizes his knowledge and experience to educate and assist each client through the mortgage process. Matt will work with you to find the best program to fit your needs and give you peace of mind. Education Rochester Institute of Technology – Certificate in Business Management and Marketing Professional Greece Chamber of Commerce Rochester Home Builders Greater Rochester Area Realtors

Disclosure

SAFE Act Compliance & Mortgage Loan Originator Information

Canandaigua National Bank & Trust and CNB Mortgage Company comply with all registration requirements for Mortgage Loan Originators (MLOs) in compliance with the federal Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act). If you would like additional information related to one of our MLOs, please use the following link to access the Nationwide Mortgage Licensing System and Registry: http://www.nmlsconsumeraccess.org/.

Home Mortgage Disclosure Act Notice

The HMDA data about our residential mortgage lending is available for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at any community bank office or call our Customer Call Center at 800-724-2621 or 585-394-4260 regarding the locations where HMDA data may be inspected

Home Town Funding d/b/a CNB Mortgage Company - Licensed New York Mortgage Banker, NYS Department of Financial Services, NMLS ID 213408 CNB Mortgage Company is a wholly owned subsidiary of Canandaigua National Bank & Trust

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DISCLAIMER

You are going to a 3rd party website and there is NO WARRANTY, expressed or implied, for the accuracy of this information or its applicability to your financial situation. Please consult your mortgage consultant.

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Ios288 b8477c223e77490789cccce49aedbf51
Matthew M. Schermerhorn

Mortgage Loan Originator

NMLSR# 15631

CNB Mortgage Company
63 Monroe Avenue, Suite A | Pittsford, NY 14534

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Ios288 b8477c223e77490789cccce49aedbf51
Matthew M. Schermerhorn

Mortgage Loan Originator

NMLSR# 15631

CNB Mortgage Company
63 Monroe Avenue, Suite A | Pittsford, NY 14534

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Ios288 b8477c223e77490789cccce49aedbf51
Matthew M. Schermerhorn
CNB mortgage co

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