Pranav T Pandya

About Pranav

Pranav T Pandya serves as the licensed mortgage professional in New Jersey. As a practicing Mortgage Loan Originator and the President of PiPoint Lending, LLC, Pranav uses his expertise to help ensure the information published on this site is accurate and up-to-date.

Loan Products and Specializations

Credentials and License Verification

Pranav T Pandya holds Individual NMLS License #471603 and operates through PiPoint Lending, LLC (Company NMLS #2718147), licensed by the New Jersey Department of Banking and Insurance and the Pennsylvania Department of Banking and Securities.

All NMLS-registered mortgage professionals are publicly verifiable through the Nationwide Multistate Licensing System. You can verify Pranav's license status, licensing history, and any regulatory actions directly using the links below.

Mortgage Guides Reviewed by Pranav T Pandya

• What's Actually Included in a Mortgage Payment? The Full PITI Breakdown
• PMI Explained: How It's Calculated, How to Remove It, and How to Avoid It
• Property Tax 101 for Homebuyers: How It's Calculated, Why It Varies, and How to Plan for It
• Homeowners Insurance and Your Mortgage: What It Covers, What It Costs, and How It Fits Into Your Payment
• HOA Fees Explained: What They Cover, How They're Set, and How to Budget for Them
• Mortgage Escrow Accounts Explained: How They Work, Why Your Payment Changes, and When You Can Opt Out
• How Much House Can I Afford?
• Down Payment Comparison: What 3%, 5%, 10%, and 20% Actually Cost You Over Time
• Closing Costs Explained: Every Fee Buyers Pay, With Typical Amounts
• Refinance Break-Even: When Refinancing Actually Saves You Money (And When It Doesn't)
• NJ First-Time Homebuyer Programs 2026: NJHMFA, Down Payment Assistance, and How to Apply
• NJ Property Tax by County 2026: Rates, Average Bills, and What Buyers Need to Know
• Debt-to-Income Ratio for Mortgages — How to Calculate, What Lenders Require, and How to Improve It
• First-Time Homebuyer Guide 2026 — Step-by-Step From Budget to Closing
• 15-Year vs 30-Year Mortgage — Real Numbers, Total Interest, and How to Decide
• 50-Year Mortgage Guide: Payment Difference, Total Interest, DTI Impact, and Equity Tradeoffs
• Mello-Roos Tax in California - What It Is, How Much It Costs, and How to Find It Before You Buy
• California First-Time Homebuyer Programs 2026 - CalHFA, Down Payment Assistance, and Income Limits

Connect With Pranav

If you have reviewed your mortgage payment estimate on truehomepayment.com and want to discuss your specific situation with a licensed professional, Pranav is available to help. As a mortgage broker with access to multiple lenders, he can provide personalized rate quotes, pre-approval guidance, and answers to questions the calculator cannot address, including complex income situations, non-QM qualifying, and New Jersey-specific lending nuances.