Mortgage Calculators
Use our interactive calculators to estimate your payments, analyze investment properties, and see how much you can save by refinancing.
How Much Can I Afford?
Estimate your monthly mortgage payments including taxes, insurance, and HOA fees to see how much home fits your budget.
Mortgage Calculator
Estimate your complete monthly mortgage payments
Rent vs. Buy Calculator
Compare the long-term costs of renting versus buying a home
Cost of Renting (10 yrs)
$343,916
Net Cost of Buying (10 yrs)
$237,942
Break-Even Point
Year 4
Buying is cheaper!
How is this calculated?
Cost of Renting: Cumulative rent paid over time, factoring in annual rent increases.
Net Cost of Buying: Cumulative out-of-pocket expenses (Down payment, principal, interest, taxes, insurance, HOA, maintenance) minus the proceeds you would get if you sold the home at the end of the period (estimated home value minus remaining loan balance and 6% selling costs). Your Equity grows as you pay down the loan and the home appreciates.
Refinance Calculator
See how much you could save by refinancing
* This is an estimate of Principal & Interest only. Taxes, insurance, and other fees are not included.
Investment Property (DSCR) Calculator
Analyze investment properties using the Debt Service Coverage Ratio (DSCR). See if the expected rental income qualifies for a Non-QM investor loan.
DSCR Analysis
DSCR Ratio
1.14
Acceptable - May require higher reserves/rate
Extra Payment Savings Calculator
See how much time and interest you can save by making additional monthly payments towards your principal balance.
Amortization Savings
Interest Saved
$68,042
Time Saved
4y 9m
HELOC & Home Equity Calculator
Calculate how much equity you can tap into and estimate your monthly payments for a Home Equity Loan or HELOC.
Most lenders allow up to 80-90% Loan-to-Value.
Your Home Equity
Max Available to Borrow
$100,000
Estimated Monthly Payments
Interest Only (HELOC)
$354
Amortizing (Home Equity Loan)
$492