Run the numbers
like a pro.
Nine professional-grade tools, all instant and 100% private — nothing you enter ever leaves your browser.
Mortgage Payment
Refinance Calculator
Break-even is when accumulated monthly savings exceed your closing costs. We'll confirm exact figures with a custom quote.
Affordability Calculator
Lenders use front-end and back-end DTI ratios. This estimate uses your target back-end DTI with ~1.5% combined tax + insurance.
FHA Loan Calculator
FHA adds a 1.75% upfront MIP (financed) and an annual MIP (~0.55%/yr). Great for credit scores from 580.
VA Loan Calculator
No PMI, ever. The VA funding fee can be financed into the loan; some veterans are exempt.
Investment Property ROI
Lenders typically want a DSCR ≥ 1.25 for the best terms. Ask us about DSCR programs that qualify on the property's income.
Down Payment Planner
Amortization Schedule
| Year | Principal | Interest | Balance |
|---|
Debt-to-Income (DTI)
Front-end = housing ÷ income. Back-end = (housing + debts) ÷ income. Most programs like back-end ≤ 43%.
Excellent — well within guidelines for most programs.
Rent vs. Buy
Assumes ~3% annual home appreciation, 3% rent growth, 1% maintenance, and 6% selling costs.
Extra Payment / Early Payoff
Closing Cost Estimator
Estimates only. As a broker we disclose exact costs on your official Loan Estimate; some fees may be lender- or seller-paid.
Numbers looking good?
Turn an estimate into a real pre-approval — usually within 24 hours, with no impact to your credit.