Mortgage Tools

Free calculators and interactive tools for every stage of your mortgage

Buying a Home

Mortgage Payment Calculator

Estimate your monthly P&I, taxes, and insurance

Home Affordability Calculator

See how much house you can realistically afford

Pre-Approval Checklist

Track every step of the pre-approval process

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Debt-to-Income (DTI) Calculator

Calculate your front-end and back-end DTI

80%

Loan-to-Value (LTV) Calculator

Check your LTV and PMI threshold

Understanding Your Loan

Amortization Calculator

Visualize your principal vs. interest over time

6.5%6.8%

APR vs. Interest Rate Calculator

See the true cost behind the headline rate

Loan Comparison

15yr30yr

15-Year vs. 30-Year Mortgage Calculator

Compare payments and total interest by term

ConvFHA

FHA vs. Conventional Loan Calculator

Compare FHA and conventional loan costs

Limit

Jumbo vs. Conforming Loan Calculator

Compare costs above and below conforming limits

fixed period

ARM vs. Fixed Rate Simulator

Simulate adjustable vs. fixed rate scenarios

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Conforming Loan Limit Checker

Check if your loan is within conforming limits

Refinancing

save

Refinance Calculator

Calculate your break-even point and savings

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Cash-Out Refi vs. HELOC Calculator

Compare cash-out refi and HELOC costs

Costs & Fees

6.75%vs6.5%

Lender Credit Calculator

Weigh lender credits against a lower rate

Discount Points Calculator

Find your break-even on buying down the rate

$20%

PMI Cost Calculator

Estimate your monthly PMI cost

Escrow Breakdown Calculator

See where your escrow dollars go

Title Defect Simulator

Explore real-world title insurance scenarios