After a distinguished 25-year career at Wells Fargo, LaPenta decided to take his business to the next level when he joined Caliber Home Loans as a sales manager in February 2017. LaPenta has always focused on purchase production and his move to Caliber is a testament to the broad spectrum of his lending capabilities, which now include foreign national lending, portfolio products to assist clients with less-than perfect credit, low down payment jumbo options to $2.5 million and a vast array of other options to fit nearly every buyer’s goals for homeownership. Since his transition to Caliber Home Loans, LaPenta has already opened up a new office in Miami Beach. The branch, which is an offshoot of the main location in Coral Gables, offers in-branch processing and closing services. Caliber offers “The Ultimate Homebuying Experience” which means reduced paperwork, turnaround times for buyers of as little as 10 days and a concierge experience. LaPenta prides himself on delivering excellent service every day. During his off time, he is a veteran Division 1 College football official, entering his 19th season. He is also a referee in The American Athletic Conference. “I appreciate the weekly challenge preparing for each football game,” he says, not to mention “the challenge of successfully managing each game under enormous pressure.”
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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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Monthly Principal & Interests : $1145.80

Monthly Real Estate Taxes : $316.67

Monthly Insurance : $66.67

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Total Monthly Payments : $1529.13

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Loan To Value Ratio : 80.00%

Months With PMI : 0 months

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