Paul Hernandez

Mortgage Agent

Apply with me

Stephen Avenue Place

Plus 15, Stephen Avenue Place
225 7th Ave SW
Calgary, AB T2P 2W3

Call

Local:

1-403-248-6699

Toll Free:

1-877-301-6699

Fax:

1-877-418-8262

Hours

Mon-Friday:

Call us 8am

5pm

Weekends:

Closed

Reviews

I love being a Mortgage Broker! Why? Because helping my clients save money on the biggest investment of their life is extremely fulfilling for me.

And working at True North Mortgage truly allows me to accomplish this goal for you — getting your best rate and the perfect mortgage fit — all while giving me a sense of pride in working for a Canadian company (I love supporting local)!

Outside of work I am either camping, hiking or taking my daughter to dance class.....yes, I am a dance dad!

I am here to help with all your mortgage needs, in both English and Spanish.

I look forward to your call! Let's connect today.

Determine Your Payments

Home Purchase Price

Down Payment (If down payment is $0, use Mortgage Renewal Calculator)

$25,000

Minimum 5%

20%

Custom 5%

Mortgage Term

Mortgage Rate

Payment Frequency

Amortization Period

*Are you eligible for a 30-year amortization?

Payments of

$1,756

Required mortgage insurance: $16,150
Total mortgage required: $419,900
Interest paid over term: $36,384
Principal paid over term: $68,986
Balance at end of term: $350,932

Apply Now

breakdown

Download Schedule as .PDF

Amortization

Schedule

Payments

Interest

Principal

Balance

Year 1: Total Paid $31,150.44

$19,335.95

$11,814.49

$482,185.51

Payment 1 of 60 - $2,595.87

$1,629.06

$966.81

$493,033.19

Payment 2 of 60 - $2,595.87

$1,625.87

$970.00

$492,063.19

Payment 3 of 60 - $2,595.87

$1,622.67

$973.20

$491,089.99

Payment 4 of 60 - $2,595.87

$1,619.46

$976.41

$490,113.58

Payment 5 of 60 - $2,595.87

$1,616.24

$979.63

$489,133.95

Payment 6 of 60 - $2,595.87

$1,613.01

$982.86

$488,151.09

Payment 7 of 60 - $2,595.87

$1,609.77

$986.10

$487,164.99

Payment 8 of 60 - $2,595.87

$1,606.52

$989.35

$486,175.64

Payment 9 of 60 - $2,595.87

$1,603.26

$992.61

$485,183.03

Payment 10 of 60 - $2,595.87

$1,599.98

$995.89

$484,187.14

Payment 11 of 60 - $2,595.87

$1,596.70

$999.17

$483,187.97

Payment 12 of 60 - $2,595.87

$1,593.41

$1,002.46

$482,185.51

Year 2: Total Paid $31,150.44

$18,859.88

$12,290.56

$469,894.95

Payment 13 of 60 - $2,595.87

$1,590.10

$1,005.77

$481,179.74

Payment 14 of 60 - $2,595.87

$1,586.78

$1,009.09

$480,170.65

Payment 15 of 60 - $2,595.87

$1,583.46

$1,012.41

$479,158.24

Payment 16 of 60 - $2,595.87

$1,580.12

$1,015.75

$478,142.49

Payment 17 of 60 - $2,595.87

$1,576.77

$1,019.10

$477,123.39

Payment 18 of 60 - $2,595.87

$1,573.41

$1,022.46

$476,100.93

Payment 19 of 60 - $2,595.87

$1,570.03

$1,025.84

$475,075.09

Payment 20 of 60 - $2,595.87

$1,566.65

$1,029.22

$474,045.87

Payment 21 of 60 - $2,595.87

$1,563.26

$1,032.61

$473,013.26

Payment 22 of 60 - $2,595.87

$1,559.85

$1,036.02

$471,977.24

Payment 23 of 60 - $2,595.87

$1,556.44

$1,039.43

$470,937.81

Payment 24 of 60 - $2,595.87

$1,553.01

$1,042.86

$469,894.95

Year 3: Total Paid $31,150.44

$18,364.59

$12,785.85

$457,109.10

Payment 25 of 60 - $2,595.87

$1,549.57

$1,046.30

$468,848.65

Payment 26 of 60 - $2,595.87

$1,546.12

$1,049.75

$467,798.90

Payment 27 of 60 - $2,595.87

$1,542.66

$1,053.21

$466,745.69

Payment 28 of 60 - $2,595.87

$1,539.18

$1,056.69

$465,689.00

Payment 29 of 60 - $2,595.87

$1,535.70

$1,060.17

$464,628.83

Payment 30 of 60 - $2,595.87

$1,532.20

$1,063.67

$463,565.16

Payment 31 of 60 - $2,595.87

$1,528.70

$1,067.17

$462,497.99

Payment 32 of 60 - $2,595.87

$1,525.18

$1,070.69

$461,427.30

Payment 33 of 60 - $2,595.87

$1,521.65

$1,074.22

$460,353.08

Payment 34 of 60 - $2,595.87

$1,518.10

$1,077.77

$459,275.31

Payment 35 of 60 - $2,595.87

$1,514.55

$1,081.32

$458,193.99

Payment 36 of 60 - $2,595.87

$1,510.98

$1,084.89

$457,109.10

Year 4: Total Paid $31,150.44

$17,849.34

$13,301.10

$443,808.00

Payment 37 of 60 - $2,595.87

$1,507.41

$1,088.46

$456,020.64

Payment 38 of 60 - $2,595.87

$1,503.82

$1,092.05

$454,928.59

Payment 39 of 60 - $2,595.87

$1,500.21

$1,095.66

$453,832.93

Payment 40 of 60 - $2,595.87

$1,496.60

$1,099.27

$452,733.66

Payment 41 of 60 - $2,595.87

$1,492.98

$1,102.89

$451,630.77

Payment 42 of 60 - $2,595.87

$1,489.34

$1,106.53

$450,524.24

Payment 43 of 60 - $2,595.87

$1,485.69

$1,110.18

$449,414.06

Payment 44 of 60 - $2,595.87

$1,482.03

$1,113.84

$448,300.22

Payment 45 of 60 - $2,595.87

$1,478.36

$1,117.51

$447,182.71

Payment 46 of 60 - $2,595.87

$1,474.67

$1,121.20

$446,061.51

Payment 47 of 60 - $2,595.87

$1,470.97

$1,124.90

$444,936.61

Payment 48 of 60 - $2,595.87

$1,467.26

$1,128.61

$443,808.00

Year 5: Total Paid $31,150.44

$17,313.31

$13,837.13

$429,970.87

Payment 49 of 60 - $2,595.87

$1,463.54

$1,132.33

$442,675.67

Payment 50 of 60 - $2,595.87

$1,459.81

$1,136.06

$441,539.61

Payment 51 of 60 - $2,595.87

$1,456.06

$1,139.81

$440,399.80

Payment 52 of 60 - $2,595.87

$1,452.30

$1,143.57

$439,256.23

Payment 53 of 60 - $2,595.87

$1,448.53

$1,147.34

$438,108.89

Payment 54 of 60 - $2,595.87

$1,444.75

$1,151.12

$436,957.77

Payment 55 of 60 - $2,595.87

$1,440.95

$1,154.92

$435,802.85

Payment 56 of 60 - $2,595.87

$1,437.14

$1,158.73

$434,644.12

Payment 57 of 60 - $2,595.87

$1,433.32

$1,162.55

$433,481.57

Payment 58 of 60 - $2,595.87

$1,429.49

$1,166.38

$432,315.19

Payment 59 of 60 - $2,595.87

$1,425.64

$1,170.23

$431,144.96

Payment 60 of 60 - $2,595.87

$1,421.78

$1,174.09

$429,970.87

Total over term

$91,723.07

$64,029.13

$429,970.87

Amortization

Schedule

Payments

Interest

Principal

Balance

Various tools and functions of this website perform calculations and provide cost estimates. These tools are designed for illustrative purposes only and make many assumptions that may not reflect all situations. Please use these tools in collaboration with a True North Mortgage agent. True North Mortgage does not guarantee the accuracy, reliability or completeness of these tools or calculations.