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Free Calculator Suite

Seven Mortgage Calculators, All in One Place

Payment, affordability, refinance break-even, payoff, DTI, rent vs. buy, and HELOC — bookmark this page and come back any time your numbers change.

Free Calculator Suite

Every Mortgage Calculator You Need

Seven tools, one page. Our agents are also available to answer questions or run a full quote for you.

Estimate Your Payment

See what your mortgage could look like — instantly

3.5%
10%
20%
25%
15-Year
30-Year
Estimated Monthly Payment
$4,280
Principal & Interest Only
Based on ~7.25% rate · Excludes taxes, insurance & PMI

How Much Home Can I Afford?

Based on your income, debts, and a 43% debt-to-income cap

3.5%
10%
20%
25%
15-Year
30-Year
Max Home Price
$0
Max Loan Amount
$0
Est. Monthly Payment
$0
Based on a 43% back-end DTI cap, a common conventional guideline. Programs like bank statement or ITIN loans may allow more flexibility — ask us.

Refinance Break-Even

See how fast a lower rate pays for itself

15-Year
30-Year
Current Payment
$0
New Payment
$0
Monthly Savings
$0
Break-Even

Extra Payment Payoff

See how much time and interest extra payments save

15-Year
30-Year
New Payoff Time
Time Saved
Interest Saved
$0

Debt-to-Income Calculator

A quick gut-check on where you stand

Front-End DTI
0%
Back-End DTI
0%

Rent vs. Buy

Which one actually costs less over time?

3.5%
10%
20%
25%
Net Cost of Renting
$0
Net Cost of Buying
$0
Assumes ~7.25% rate, 3.5%/yr home appreciation, 3%/yr rent growth, 1.3%/yr taxes & insurance, 1%/yr maintenance, and 7% selling costs when you sell. Illustrative only.

HELOC Payment

Estimate payments on a home equity line of credit

Interest-Only
10-Year
15-Year
20-Year
Estimated Monthly Payment
$708
Interest-Only — Draw Period
HELOC rates are typically variable and reset with the market.

These calculators provide rough estimates only, using a representative ~7.25% rate. For your exact rate and full loan quote, apply directly below.

Live Market Rates

Today's Mortgage Rates

Average market rates, updated daily. Your personal rate depends on your credit, loan type, and property — get a free quote to see your exact number.

Common Questions

How to Read These Numbers

How much home can I afford?

The affordability calculator above gives you an illustration from your income, your monthly debts, your down payment and a rate you choose. It is a rough guide, not a quote and not an approval. What a lender will actually do with your file depends on the full picture, so treat the figure as a starting point.

Are these figures a rate quote?

No. Every calculator on this page is illustrative only. The rate is one you pick with a slider, not one offered to you, and the results exclude items such as taxes, insurance and mortgage insurance unless stated. For real numbers on a real file, call (818) 500-4009 or use the apply now page.

Which calculator should I use?

Pick the one that matches the question you are actually asking. Every calculator here is illustrative only, so treat the output as a rough bearing rather than a quote. When you want real numbers for your file, call us and a loan officer will work them through with you.

  • Payment — estimate principal and interest on a purchase
  • Affordability — see a price range from income and debts
  • Refinance — find the break-even point on closing costs
  • Payoff — see what an extra monthly payment does
  • DTI — check your debt-to-income ratio
  • Rent vs. Buy — compare over the years you plan to stay
  • HELOC — estimate a draw against your equity

Once you know roughly where you stand, get in touch or read how a broker works for you.

Ready for Your Exact Rate?

Click here for a full quote from our live rate-quote engine, or apply now to get the process started. Our agents are standing by if you have questions.