Decision tools
Calculators that show their work.
Every tool spells out its assumptions and breaks the number down — so you can trust the answer before you talk to anyone.
Affordability
How much home fits your income, debts, and down payment.
Income$185k
Monthly debts$900
Payment estimator
Full monthly payment with taxes, insurance, and HOA.
Price$850k
Term30 yr
Refinance savings
Monthly savings, interest saved, and break-even month.
Balance$520k
New rate6.50%
DSCR ratio
Rental cash flow vs. payment for investor qualifying.
Rent$4,200
PITIA$3,280
Payment estimator
Your full monthly payment, broken down.
Estimated monthly payment
$5,012 /mo
Principal & interest$4,204
Property taxes (est.)$531
Homeowners insurance$172
HOA dues$105
Assumptions. Based on a $680,000 loan at 6.875% (7.01% APR), 30-year fixed, owner-occupied. Property tax estimated at 0.75% of price annually; insurance and HOA are sample figures. This is an estimate, not an offer or rate lock. Your actual payment will vary with taxes, insurance, and final loan terms.
From estimate to offer
Turn these numbers into a real rate.
The calculators get you close. A licensed broker gets you exact — with no impact to your credit.