Free Tools
Mortgage Calculators
Run the numbers before you make a move. Every tool below is free — built for buyers, homeowners, Realtors, and loan officers.
🏠 Buyers & Homeowners
10 calculators
Mortgage Payment
P&I, taxes & insurance breakdown with full amortization schedule.
Try it — 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 — enter your gross monthly income
$
/mo
~$390k
Rent vs Buy
Compare total cost of renting vs owning over time, including equity buildup.
Try it — monthly rent
$
/mo
Buy wins yr 5
VA Loan Benefit
See exactly how much veterans save vs conventional — no PMI, no down payment.
Try it — home price
$
Save $412/mo
Refinance Break-Even
How many months until your refi savings outweigh the closing costs.
Try it — 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 — loan amount & type
Year 1: —
VA Bonus Entitlement
Remaining entitlement, max loan with no down payment, and required down if above limit.
Try it — county loan limit
$
Max $766k
Debt Management / Cash-Out
Compare paying off debt via cash-out refi vs keeping your current mortgage.
Try it — total debt to consolidate
$
Save $340/mo
Cost of Waiting
Show clients exactly what waiting costs — rent paid, home appreciation, equity missed, and net worth gap vs buying now.
Try it — 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 — monthly debt payments
$
$9,600/yr eliminated
📋 Loan Officers
5 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 — gross monthly income
$
Max $2,580/mo
Income Calculator
W2, self-employed, rental & other income sources — qualifying income calculation.
Try it — annual W2 income
$
/yr
$7,083/mo
TRID Fee Calculator
Purchase & refi toggle — Loan Estimate & Closing Disclosure fee breakdown.
Try it — loan amount
$
~$6,240 fees
EPO & Refi Eligibility
EPO window status, commission safe date, and earliest refi date — by loan type.
Try it — closing date & loan type
EPO clears:
—
Refi eligible:
—
Mortgage Payoff
Exact payoff amount to the dollar, daily interest per diem, and why the payoff is always higher than the statement balance.
Try it — outstanding balance
$
$64/day
🤝 Realtors
2 calculators
Commission Split
Gross commission by split %, brokerage fees, and net take-home.
Try it — sale price
$
Net $6,075
Seller Net Sheet
Seller proceeds after commissions, closing costs & loan payoffs.
Try it — sale price
$
Net ~$414k
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