Get more than just a loan — get a smarter way to own your home. We combine expert financial guidance with the latest technology to deliver faster approvals, better rates, and total peace of mind. Your dream home is closer than you think, and we’ll help you get there with confidence.
Your hometown mortgage experts
Most people find that mortgage financing is complicated and confusing. We help you buy your dream home by simplifying the mortgage financing process with personalized loan options that save you time and money.
First Time Homebuyers
Buying your first home? We offer the guidance you need to get started! Check out our mortgage process videos…
Mortgage Calculators
How much can you afford? What does that monthly payment look like? Check out our calculators to help…!
Home Loan Options
We’re here to help you figure out which mortgage best fits your unique financial picture. Check out our mortgage programs to learn more…!
Get started by using one of our Free tools!
Why work with us?
We truly care about what is best for you! From pre-approval to closing, our goal is to provide you with the best service while saving you money. We provide a completely customized experience, and will find the right loan program and best terms for you.
The most important part of our success is our clients and real estate agents who trust us every day to educate and advocate for them in the mortgage process. We have multiple loan products, giving our clients more options, competitive rates, and low fees. We are passionate about providing great customer service.
About NextGen Financial Services
Your Journey to Homeownership, Made Simple.
At NextGen Financial Services, we believe that securing a mortgage shouldn’t be complicated or confusing. We combine expert financial guidance with modern technology to deliver a faster, smarter, and entirely personalized path to owning your home.
Whether you are buying your very first home, upgrading to a new space, refinancing for better terms, or expanding your real estate investment portfolio, we provide clear, reliable guidance every step of the way.
Why Work With Us?
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A Completely Customized Experience: We don’t believe in one-size-fits-all. We explore multiple loan products to find the exact program and competitive terms that fit your unique financial goals.
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Smarter Technology, Faster Approvals: Our modern process is designed to save you both time and money, delivering competitive rates and low fees without the typical mortgage hassle.
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Trusted Expertise & Advocacy: Backed by over 15 years of proven industry leadership, we proudly partner with clients and real estate agents alike—educating, advocating, and providing dedicated service from pre-approval to closing.
Ready to explore your options?
Contact NextGen Financial Services today for a no-obligation consultation. We are here to help you make confident, informed decisions.
Does renting or buying a home make more sense? Check out what is best for you by using our Rent vs Buy Calculator…
Our mortgage calculators are for demonstration purposes only and may not reflect actual numbers for your specific mortgage. Contact us and we will walk you through the best possible mortgage scenario for your specific needs!
Buying is cheaper than renting after
If you buy a house, after 3 years it will cost you $58 more per month and $5000 more in total than if you had rented.
But you will own in equity of your home with an appreciated value of .
If you buy a house, after 3 years you will have saved $58 per month and $5000 in total than if you had rented.
You will also own in equity of your home with an appreciated value of .
Buying will never be cheaper than renting
Home equity after
1 year
years
TOTAL COST
YEARS
Costs over
Monthly Cost (after )
Yearly Cost (after )
Total Cost (after )
Rent
Buy
Difference
$0
$0
$0
Rent
Buy
Difference
$3,019
$92,453
$89,434
Rent
Buy
Difference
$3,019
$92,453
$89,434
Estimated Costs
These costs are estimated based on the information under the advanced section. You may adjust these values to suit your particular situation in order to get a more accurate estimate.
Monthly mortgage payments
$
Homeowner's insurance
$
Private Mortgage Insurance
$
HOA dues
$
Property tax
$
Home repairs
$
Renovations
$
Closing costs
$
Yearly rent increase
%
Rental insurance
$
How We Calculate the Costs
Calculating the Cost of Renting
The cost of renting is relatively straightforward to calculate. It primarily includes your monthly rent payments and a few additional expenses:
- Monthly rent payments
- Security deposit (typically equal to one month's rent)
- Renters insurance (annual premium)
- Down payment
- Closing costs (typically 2-5% of the home's value)
- Monthly mortgage payments (principal and interest)
- Property taxes
- Homeowners insurance
- Private Mortgage Insurance (PMI) if applicable
- HOA fees (if applicable)
- Maintenance and repairs
- Home improvements and renovations
- Annual home appreciation rate: %
- Annual rent increase: %
- Renters insurance: $ per year
- Home maintenance and repairs: % of home value per year
- Home improvements and renovations: % of home value per year
- Selling costs when you sell the home: % of home value
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You did WHAT!? Part 3
You did WHAT!? Part 2
