Mortgage Information

If you're like most buyers, a home is the most expensive purchase you'll ever make, and you'll probably need some form of financing.

There are many lending institutions that offer a variety of mortgage products. Financing options and rates can vary widely, so it is important to do your research and shop around to ensure you get the mortgage that best meets your needs at the best price.

Being a referral based team we know the value of a good referral. Below you will find the information on our preferred lender partner. 

Use the mortgage calculators below to assist you in making some decisions around financing your new home.

Mortgage Payment Calculator & Amortization Table

This calculator will help you determine what your mortgage payments will be based on purchase price, interest rate and mortgage term, as well as other factors. The amortization table shows what the interest and principal payments will be over the term of the mortgage.

Mortgage Calculator



Laura Berg's Team at HMS Capital is committed to providing ideal financing options to homebuyers and homeowners in California since 1991. Laura Berg has been recognized as a Circle of Excellence Award Recipient in the Scottsman Guide and Mortgage Originator Magazine. Laura's team has built a successful and lasting career on a foundation of helping families and borrowers realize the dream of home ownership while providing outstanding customer service.


Laura Berg

Loan Officer

(805) 496-8444

NMLS #322949


Laura received her Real Estate License in 1988 and sold residential real estate until 1991. At that time she decided to get into Residential Lending using her Real Estate background to ensure Realtors and their clients she would be working with received excellent service. With more than 20 years’ experience in Loan Origination, Laura combines her education, experience, and expertise to help her clients understand the loan process and put their minds at ease as they consider the complex financial transaction of a home mortgage. She understands the importance of every client and prides herself on educating her clients about all of their options to assist them in making an informed and educated decision. Laura’s knowledge and experience in every level of the Mortgage Industry is what makes her unique and sets her apart from her competition. Laura owned and operated her own company, Five Star Financial, for 12 years while originating loans, and has had several years’ experience as both a Retail Loan Officer and now as a Banker with a Direct Lender. Her primary goal is to exceed her clients’ expectations.