Tools
Calculators that show their work
Every one of these runs entirely on your device. Nothing you type is sent anywhere, stored, or used to contact you.
Monthly payment
Principal, interest, taxes, insurance, HOA, and mortgage insurance — broken out so you can see which line is driving the number.
Affordability range
What debt-to-income ratios imply about a purchase price, with both ratio limits visible and adjustable.
Refinance break-even
How many months until a refinance pays for itself, and what a longer term does to total interest.
Rent versus buy
A cash-flow comparison over your horizon, with rent growth, appreciation, maintenance, and selling costs all under your control.
Cash to close
Down payment, closing costs, prepaid items, and credits — the number people are most often surprised by.
Amortization schedule
How each payment splits between principal and interest over the life of the loan, and what an extra payment does to the payoff date.
Rate impact
What a change in interest rate does to your monthly payment and the total interest you pay, side by side.
Debt-to-income ratio
Your front-end and back-end DTI from your income and monthly debts — the ratios underwriting actually checks.
Investment property cash flow
Rent against the mortgage, taxes, insurance, and expenses to see monthly cash flow and cap rate on a rental.
DSCR — rental coverage
Whether a rental's income covers its debt: the debt-service-coverage ratio lenders use for investor loans.
Numbers are a starting point, not an answer
Once you have a range you like, a licensed mortgage professional can tell you what a lender will actually do with it. No application, no credit pull.