Mortgage rates vary according to type of loan, credit, down payment, etc. Average 30 yr fixed rates are currently running 3.5-3.875%. Insurance varies by the replacement value of home, personal contents, credit, past claims, location, etc. $600 per month would probably apply to million dollar homes on the water. An average single family home ($150K-200K without water) would cost $1300-$1800 per year. Im not a lender or insurance agent but can give you names if you would like.