Quazel Mortgage — Navigation

🎖️ Veteran-Owned Business

🏠 Family-Owned & Operated

🔒 Licensed in UT · ID · FL · CO | NMLS #2133626

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 11 calculators

Buyer

Mortgage Payment

P&I, taxes & insurance breakdown with full amortization schedule.

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Buyer

How Much Can I Afford?

Estimate your max purchase price based on income, debts & down payment.

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Buyer Homeowner

Rent vs Buy

Compare total cost of renting vs owning over time, including equity buildup.

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Buyer

VA Loan Benefit

See exactly how much veterans save vs conventional — no PMI, no down payment.

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Homeowner

Refinance Break-Even

How many months until your refi savings outweigh the closing costs.

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Buyer

Temporary Buydown

1-0, 2-1 & 3-2-1 buydown payments, year-by-year schedule, and total subsidy cost.

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Buyer

Should I Buy Points?

Break-even timeline for paying points to lower your rate — plus lifetime savings.

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Buyer

VA Bonus Entitlement

Remaining entitlement, max loan with no down payment, and required down if above limit.

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Homeowner Buyer

Debt Management / Cash-Out

Compare paying off debt via cash-out refi vs keeping your current mortgage.

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Buyer LO

Cost of Waiting

Show clients exactly what waiting costs — rent paid, home appreciation, equity missed, and net worth gap vs buying now.

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Buyer LO

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.

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📋 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.

Loan Officer Buyer

Debt-to-Income (DTI)

Front-end and back-end DTI ratios for qualification analysis.

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Loan Officer

Income Calculator

W2, self-employed, rental & other income sources — qualifying income calculation.

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Loan Officer

TRID Fee Calculator

Purchase & refi toggle — Loan Estimate & Closing Disclosure fee breakdown.

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Loan Officer

EPO & Refi Eligibility

EPO window status, commission safe date, and earliest refi date — by loan type.

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🤝 Realtors 2 calculators

Realtor

Commission Split

Gross commission by split %, brokerage fees, and net take-home.

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Realtor

Seller Net Sheet

Seller proceeds after commissions, closing costs & loan payoffs.

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Mortgage Calculators

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