Professional Money Mortgage Lenders There are occasions when time isn't in your favor. Precise loan amount, time period, and Annual Share Rate of the mortgage that an applicant qualifies could differ by applicant, lender and the regulation necessities of those terms. And with a 30-day compensation term, which means $1,330 will be taken out of a paycheck in a single go. This may imply a problem with meeting regular month-to-month obligations.