Carley Smith has 10 years of experience as a residential Loan Consultant to offer you, your friends, relatives, and business partners. Recognizing that each customer has specific needs, she will utilize her expertise along with Caliber's superior "in-house-local" processing, underwriting, and closing functions to meet those needs; assuring a smooth process from application to closing. If you are looking into buying a home or refinancing an existing residence, Carley is more than happy to help. She has lived in the San Luis Obispo area for 20 years, and she is also active in various community programs and is certified with the County of San Luis Obispo's First Time Homebuyer Program. Thanks very much for visiting her web site, and she hopes to speak with you soon. Carley was born and raised in the San Francisco Bay area and currently lives in San Luis Obipso with her family and four children. She enjoys spending free time with her family, volunteering at school, and training for marathons.
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Private Mortgage Insurance typically costs between 0.5% to 1% of the entire loan amount over 80% LTV on an annual basis.

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/ year

Your Monthly Payment

$1,512.46

Your Payment

Monthly Principal & Interests : $1145.80

Monthly Real Estate Taxes : $316.67

Monthly Insurance : $66.67

Monthly PMI : $0.00

Total Monthly Payments : $1529.13

Additional Information

Loan To Value Ratio : 80.00%

Months With PMI : 0 months

What to expect

when refinancing.

Refinancing your existing mortgage may be easier than you think.

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What is the process

for buying a home?

Caliber has streamlined the process for you!

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Smaller down-payment

program options.

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