Free Tools
Mortgage Calculators
Run the numbers before you make a move. Every tool below is free โ built for buyers, homeowners, Realtors, and loan officers.
๐ Buyers & Homeowners
10 calculators
Mortgage Payment
P&I, taxes & insurance breakdown with full amortization schedule.
Try it โ enter a home price
$
$2,147/mo
How Much Can I Afford?
Estimate your max purchase price based on income, debts & down payment.
Try it โ enter your gross monthly income
$
/mo
~$390k
Rent vs Buy
Compare total cost of renting vs owning over time, including equity buildup.
Try it โ monthly rent
$
/mo
Buy wins yr 5
VA Loan Benefit
See exactly how much veterans save vs conventional โ no PMI, no down payment.
Try it โ home price
$
Save $412/mo
Refinance Break-Even
How many months until your refi savings outweigh the closing costs.
Try it โ rate drop
% drop
Break-even 18mo
Temporary Buydown
1-0, 2-1 & 3-2-1 buydown payments, year-by-year schedule, and total subsidy cost.
Try it โ loan amount & type
Year 1: โ
VA Bonus Entitlement
Remaining entitlement, max loan with no down payment, and required down if above limit.
Try it โ county loan limit
$
Max $766k
Debt Management / Cash-Out
Compare paying off debt via cash-out refi vs keeping your current mortgage.
Try it โ total debt to consolidate
$
Save $340/mo
Cost of Waiting
Show clients exactly what waiting costs โ rent paid, home appreciation, equity missed, and net worth gap vs buying now.
Try it โ home price
$
~$18k/yr appreciation
VA Concession Strategy
Compare scenarios where seller concessions pay off debt. Shows blended rate, monthly savings, and 5-year impact. Works for VA, FHA, conventional & refi.
Try it โ monthly debt payments
$
$9,600/yr eliminated
๐ Loan Officers
4 calculators
These tools are designed for mortgage professionals. Results are estimates for planning purposes only and do not constitute a loan commitment or guarantee of approval.
Debt-to-Income (DTI)
Front-end and back-end DTI ratios for qualification analysis.
Try it โ gross monthly income
$
Max $2,580/mo
Income Calculator
W2, self-employed, rental & other income sources โ qualifying income calculation.
Try it โ annual W2 income
$
/yr
$7,083/mo
TRID Fee Calculator
Purchase & refi toggle โ Loan Estimate & Closing Disclosure fee breakdown.
Try it โ loan amount
$
~$6,240 fees
EPO & Refi Eligibility
EPO window status, commission safe date, and earliest refi date โ by loan type.
Try it โ closing date & loan type
EPO clears:
โ
Refi eligible:
โ
๐ค Realtors
2 calculators
Commission Split
Gross commission by split %, brokerage fees, and net take-home.
Try it โ sale price
$
Net $6,075
Seller Net Sheet
Seller proceeds after commissions, closing costs & loan payoffs.
Try it โ sale price
$
Net ~$414k