Midnight
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NMLS #9993004Licensed in TX, OK, AREqual Housing Opportunity

Demo Mortgage Midnight

Local lenders. Lasting relationships.

Local, independent, and here through every rate cycle.

Get prequalified

Our team

Meet your local mortgage experts

Ramona Cole

Mortgage Loan Originator | Office Manager

NMLS #9993401

Meet Ramona

Dimitri Vance

Senior Mortgage Loan Originator

NMLS #9993402

Meet Dimitri

Plain-English mortgages.

Every question deserves a plain answer — the options, the math, the trade-offs. If you've worked with a mortgage lender before and felt like you were on the wrong end of the conversation, this office is built around the opposite idea.

Run the numbers

Estimate your payment, see what you can afford, compare refi scenarios, or run investor DSCR — all client-side, no signup.

How much will my mortgage cost?

$
$

20.0% of home price

%

Estimated monthly P&I

$2,023

Loan amount$320,000
Total interest paid$408,142
Total of payments$728,142

Where your payments go

Cumulative principal + interest over 30 years

PrincipalInterest
Now5y10y15y20y25y30y$0$200k$400k$600k

Estimate only. Not a commitment to lend. Actual rates and terms depend on your credit profile, property, and other factors and will be confirmed by your lender. Calculations exclude taxes, insurance, HOA dues, and PMI.

Let's talk

Tell us about your goals — your message is routed to the right loan originator the moment you send it.

Question 1 of 617%

What are you looking to do?

Pick an option to continue

By submitting, you agree to be contacted by a loan originator. We will never sell your information. This is not an application or a commitment to lend. Your information is handled as described in our Privacy Policy.

Midnight

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Contact

Midnight
1100 Congress Avenue
Suite 1900
Austin, TX 78701
T: 512-555-0400
info@demodenver.test
NMLS #9993004
NMLS Consumer Access →
Licensed in: TX · OK · AR

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State Disclosures

AR: Licensed as a Mortgage Banker-Broker-Servicer with the Arkansas Securities Department.

OK: Regulated by the Oklahoma Department of Consumer Credit.

  • Texas Consumer Complaint Notice

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