Mortgage calculators Do the math first
Ten mortgage calculators with editable assumptions and plain-English explanations. Estimates, not quotes or approvals; nothing you type leaves your browser.
Pick a calculator
Buying? Start with Affordability, then Payment. Refinancing? Start with Break-even.
Payment
See the whole monthly payment: principal, interest, property tax, insurance, HOA and mortgage insurance.
Open calculatorAffordability
Work backward from income, debts and down payment to a price range. Then ask whether you'd actually enjoy that payment.
Open calculatorAmortization
See how each payment shifts from interest to principal and how extra monthly principal can change your payoff date and total interest.
Open calculatorRefinance break-even
Divide refinance costs by monthly savings. Will you keep the loan long enough to recover what you spend?
Open calculatorRent vs buy
Compare owning with renting over the same years, plus projected equity. Tweak the assumptions; they matter a lot.
Open calculatorAppreciation
Pick a yearly rate and a number of years to see compounding. It's math, not a forecast.
Open calculatorBlended rate
Keeping a low first mortgage and adding a second? Compare the balance-weighted average rate with a cash-out refinance.
Open calculatorARM vs fixed
Compare an ARM's starting payment with a fixed rate, then stress-test the first adjustment and lifetime cap.
Open calculatorDebt consolidation
A lower payment and a lower total cost aren't the same thing. Compare monthly payments, payoff time and interest.
Open calculatorBuy now or wait
Prices and rates can move either way while you wait. See how your assumptions change the payment and rent paid.
Open calculatorSome questions need a human
These need real data and a conversation. Ask and we'll work through the trade-offs.
Property comparison
Torn between two homes? Compare payment, cash to close, taxes and HOA side by side.
Ask about thisSeller contribution
What's a seller credit worth to you: lower cash to close, or a lower rate?
Ask about thisPurchase analysis
One specific home, priced out: payment, closing costs, credits and risks.
Ask about thisInvestment property
Will the rental actually cash-flow after vacancy, repairs and reserves?
Ask about thisBidding over asking
What does a higher offer do to payment, and how much cash would you need if the appraisal came in low?
Ask about thisThis is not a commitment to make a loan, nor should it be construed as legal, tax, financial planning, or lending advice for your specific circumstances. Loans are subject to borrower qualifications, income and asset verification, credit approval, property evaluation, appraisal, title review, underwriting guidelines, investor and lender requirements, market conditions, and program availability. Rates, terms, programs, fees, credits, and guidelines are subject to change without notice. Refinancing an existing loan may result in total finance charges being higher over the life of the loan. A lower monthly payment may result from a longer loan term, a different loan structure, or payment of points and fees.
Talk through the numbers with David & Tasha
A calculator runs on guesses. We can price the real thing.
Rates, terms, and eligibility depend on credit profile, income, property, loan program, occupancy, market conditions, and underwriting approval.