Dena Duhon

Residential Mortgage Planner

NMLS ID # 266199
Dena@FirstMortgageSolutions.com
816-419-2444

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About

For close to 20 years, I have had the privilege of assisting people with their home loans. By helping my clients understand the financing options available to them and openly discussing the alternatives, they have the confidence to know that the loan they choose is the best option available for them. My business philosophy revolves around KNOWLEDGE. The mortgage industry is complex, with frequent changes to loan programs, rates, and qualifying guidelines. It is my responsibility to stay abreast of changes and trends, to assist my clients in finding the right loan, and make the entire process as smooth and stress-free as possible. My personal philosophy revolves around INVOLVEMENT. I believe the time I spend as a volunteer in a variety of different areas has enabled me to contribute to the quality of life in my community, and my life has been enriched by the people I’ve met.

Monthly Mortgage Payment Calculator

How much can you expect to pay in monthly mortgage payments, including PMI? Use this mortgage calculator to estimate monthly payments and closing costs at different interest rates, loan terms, and down payment amounts.

Home price?

Down Payment?

300K

Interest rate?

Assumptions

Estimated annual property taxes (%)

Loan term

Estimated annual homeowners insurance

Annual homeowners association (HOA) dues

Estimated payment

$542 / month

Loan amount

$70,000

Down payment

$30,000

Interest rate

5.000 %

Loan term

360 Mos

Principal & Interest

$376 / Mo

Private Mortgage Insurance

$0 / Mo

Property taxes

$100 / Mo

Homeowners insurance

$67 / Mo

Monthly HOA Dues

$0 / Mo

A calculator alone often does not tell the whole story.

To obtain a deeper and more personal analysis of your mortgage options:

Apply Now

Mortgage Term Definitions

Home Price

This is the full price of the home you would be buying.

Down Payment

This is the amount of money you would need to provide at the time of closing that would count towards ownership of your home. Keep in mind, you would also need to pay closing costs and other fees in addition to the down payment.

Mortgage Interest Rate

This is the percentage you would have to pay the lender for the money you've borrowed. Interest rates are based on your credit score and several other factors, as well as market fluctuations.

Property Taxes

This is a tax levied by the government where the property is located based on the property's value.

Private Mortgage Insurance (PMI)

This is an insurance policy lenders require of borrowers who put down less than 20% of the home price to protect the lender against borrower default.

Homeowners Insurance

Lenders require that borrowers purchase homeowners insurance, also known as hazard insurance, to protect your property and personal possessions from certain types of crime and weather-related damage.

Homeowners Association Dues

It is common for condominium and townhome owners to owe association dues to cover building amenities, maintenance, and improvements.

Mortgage Refinance Calculator

Should you refinance your current mortgage loan? Use this mortgage refinance calculator to estimate how much you can expect to save by refinancing. Compare your current home loan with a new rate, loan term, and loan amount.

Current Loan

Original Loan Amount?

Interest rate?

Loan Term?

Origination Date?

Refinance Loan

New Loan Balance

$416,382

New Interest rate

New Loan Term?

$2,684

Current Monthly Payment

$1,645

New Monthly Payment

Your Savings

$1,039

Monthly Savings

$73,525

Lifetime Savings

Great! If you choose to refinance with these terms, you'll end up saving both monthly and over the life of your loan.

$7,911

Est. Refinance Fees

8 months

Breakeven Point

A calculator alone often does not tell the whole story.

To obtain a deeper and more personal analysis of your mortgage options:

Apply Now

Mortgage Term Definitions

Mortgage Interest Rate

This is the percentage paid to the lender for the money you've borrowed. Interest rates are based on your credit score and several other factors, as well as market fluctuations.

Original Loan Amount

This is the full amount you were originally loaned toward the purchase of your home.

New Loan Balance

This is the current amount remaining on your original loan amount.

Lifetime Savings

This amount represents the savings you will have when comparing remaining payments on your current loan with payments you will have to make on your new loan.

Loan Term

This is the length of time chosen to fully pay off your loan.

Origination Year

The year you took out your current home loan.

Refinance Fees

The closing costs and fees associated with a prospective refinance.

Breakeven Point

The number of months it will take for your monthly savings to offset fees associated with your prospective refinance.

License States

About First Mortgage Solutions

First Mortgage Solutions is a family owned and locally operated Mortgage Company founded on the principles of Honesty, Integrity, and Experience.

Headquartered in Kansas City, Missouri, First Mortgage Solutions is licensed in 17 states, as well as with the Federal Housing Authority (FHA), the Veterans Administration (VA), and the United States Department of Agriculture (USDA), and has numerous locations in both Kansas and Missouri.

Specializing in refinance, purchase, home equity, and debt consolidation loans, it is our goal to find the best possible loan program for each individual homeowner. We realize that every one of our customers has a unique financial situation and goals, so it is imperative to us that these situations are taken into account and those goals are met when choosing the right loan program for every person. At First Mortgage Solutions, we do not offer any “Special Limited Time” offers, or charge any hidden fees. We simply take a consultative approach to lending in order to locate the perfect loan program, for each homeowner, every time.

Our Principles:
It is our vast experience in the industry, coupled with our principles of honesty and integrity that will help continue and strengthen our customers’ pursuit of the American Dream.
Honesty
Honesty is important to people when dealing with their greatest financial asset. First Mortgage Solutions is a no nonsense, no hidden fees, up-front residential mortgage lender. Our customers are comfortable doing business with us because we take the time to educate them on the entire mortgage process, from application to close. We take the time to get to know our clients’ total financial picture in order to match them with the right type of loan program.
Integrity
Integrity, in our office, means a firm adherence to a code of strict moral values. It is of great importance to our company that we operate every day with a sense of natural integrity. The current public view of the mortgage industry is one that has been clouded previously by amoral and dishonest behavior through the agency of our peers. Conversely, at First Mortgage Solutions, we adhere to our strict moral code of integrity in everything we do. By doing this, we intend to do our part, to reshape our industry’s reputation with every one of our customers, one at a time.

Experience

Experience is the third, and final, vital part of our company’s foundation. The team at First Mortgage Solutions boasts over 75 years of experience in the mortgage industry. Our team members know what it takes to complete each transaction timely and in a comfortable manner to all parties involved. Our comprehensive experience enables us to consult with our clients and make all of their financial options available to them. First Mortgage Solutions has the experience you can trust to know that you are in good hands.

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