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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.

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.

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