Contact

FAQ & Contact

Answers, Calculators,
and a Real Human on the Other End.

First-time home buyer in Virginia? Refinancing in Florida? Mortgage questions answered clearly, without the call-center script.

Start Your Pre-Approval Read on Zillow

NMLS #308553 · Licensed in VA + FL · Best of Roanoke 2023

Mortgage FAQ

Top Questions Buyers Actually Ask, Before They Get to Closing

If your question isn’t below, send a message. Every question gets a response, no matter where you are in the process. Why we don’t do pre-quals →

A Real Person

Not a Call Center. The Same Team, Start to Finish.

Plan with confidence

Run the numbers before you start shopping

These three calculators answer the questions buyers ask most. Adjust the inputs and the results update instantly, then reach out and we’ll talk through your numbers together.

Estimates for:

Mortgage Payment Calculator

What does the monthly payment actually look like with taxes and insurance?

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Estimated payment

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Get pre-approved with Jonathan

Estimate only, not a loan offer. Adds mortgage insurance automatically when your down payment is under 20%.

Affordability Calculator

How much home can I afford on my income, with my debts and goals?

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You could afford

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See what you qualify for

Estimate only, based on the 28/36 debt-to-income guideline and a 30-year loan. Lenders vary, get a real pre-approval to confirm.

Rent vs Buy Calculator

When does buying actually beat renting in your timeframe?

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Advanced assumptions
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Buying wins by

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Map out your timeline

Estimate only. Assumes 1% yearly upkeep, 2.5% closing and 6% selling costs. Appreciation and rent growth are editable above.

Tax and insurance assumptions switch automatically between Virginia and Florida. Every calculator keeps an editable interest rate. Figures are estimates to guide a conversation, not a financing commitment.

Contact

Tell Us Where You Are. We'll Meet You There.

Use the form for anything: pre-approval, loan questions, a Realtor referral, or just a sanity check. We answer every message personally, usually inside one business day.

Send us a message

No drip campaigns. No bots. Real reply from a real human.

By submitting, you agree to be contacted by Jonathan Sweat & The Legacy Team about your inquiry. We do not share or sell your information. Standard NMLS-compliant disclosures apply.

The Legacy Team office

Address

2840 Electric Rd SW, Suite 102-A
Roanoke, VA 24018

phone

540.314.8843 (cell)
540.588.6104 (office)

Email

jsweat@ihmcloans.com

The Legacy Team · Direct Extensions

Jonathan Sweat: 540.588.6104 ext. 1 · jsweat@ihmcloans.com
Dixie Lowe: 540.588.6104 ext. 2 · dlowe@ihmcloans.com
Ellyson Spickard: 540.588.6104 ext. 3 · espickard@ihmcloans.com

Hours

Mon to Fri, 9am to 5pm ET
Weekends by appointment

Areas served

Two States. Same Team.

Licensed and lending across the Roanoke Valley and the I-4 corridor.

VA

Virginia

Roanoke Salem Blacksburg Botetourt Franklin Co.
Fl

Florida

Tampa Lakeland Polk Co. Hillsborough Winter Haven

Equal Housing Lender

Verified · NMLS Consumer Access

Jonathan Sweat · NMLS #308553 · Branch NMLS #2644421 · Virginia MLO #5807VA · Florida LO #110533. Verify license and registration at the NMLS Consumer Access website.

Verify MNLS

Want federal-level homebuyer education? The CFPB is the gold standard.

The Consumer Financial Protection Bureau publishes the most rigorous, vendor-neutral homebuyer education in the country. We send first-time buyers there before they ever sign a thing. Read the loan-estimate explainer. Read the closing-disclosure explainer. Then come back and we'll walk through your specific numbers.

Visit CFPB Owning a Home
Ready when you are

Ready to Compete with a Real Letter?

Most buyers are fully underwritten in 48 hours. From there, you shop with confidence and your offer carries the weight Realtors recognize. The next step is the application. The conversation starts the same way it always has, with a real person.

Start your pre-approval Have questions first?

Or call 540.314.8843 and ask for Jonathan directly.

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