Calculators

Run the numbers before you commit

Four calculators for the four questions borrowers ask us most. Estimates only — not a rate quote, not a commitment to lend.

Calculators are for planning, not committing. The numbers below use assumptions we’ve set to be broadly reasonable, but your actual loan will depend on rates the day you lock, your specific credit, the property, and the lender. Use these to sanity-check, then talk to us for real numbers.

Payment calculator

Estimate your monthly mortgage payment including taxes, insurance, HOA, and PMI.

Home price $

Down payment $

Interest rate %

Loan term

Credit score FICO

Escrow & other

Property tax $/year

Insurance $/year

HOA $/month

PMI % of loan (auto-calculated)

PMI is typically required when the down payment is less than 20%. Set to 0 if not applicable.

Estimated monthly payment

PITI + HOA + PMI, all in.

Breakdown

Principal & Interest$0
Property tax$0
Homeowners insurance$0
HOA$0
PMI$0
Total monthly$0

Loan amount: $0

LTV at closing: 0%

Refinance calculator

Compare your current loan to a new refinance to see the break-even and lifetime savings.

Current loan

Current balance $

Current rate %

Years remaining

New loan

New rate %

New term

Cash out amount $

Estimated closing costs $

Set cash out to $0 for a rate-and-term refinance. Enter an amount to see the impact on your monthly payment.

Monthly savings

Difference between old and new P&I.

Details

New loan amount$0
Current monthly P&I$0
New monthly P&I$0
Break-even— months

Total remaining interest on current loan: $0

Total interest on new loan: $0

Estimated lifetime interest savings: $0

Shows Principal & Interest only. Property taxes, homeowners insurance, and PMI (if applicable) are not included in the payment figures above — your total monthly payment may change when those escrowed items are added.

Affordability calculator

Estimate the home price you could qualify for based on income, debts, and target DTI.

Annual income $

Monthly debts $

Down payment $

Interest rate %

Loan term

Target DTI % (max ~43%)

Property tax % of price/yr

Insurance $/year

Estimated qualifying home price

Based on your income, debts, and DTI target.

Details

Max monthly housing payment$0
Est. monthly taxes$0
Est. monthly insurance$0
Available for P&I$0
Qualifying loan amount$0

Rule of thumb, not a rule. Actual lender approval depends on credit, employment, reserves, property, and program-specific overlays. Ask us for a real pre-approval to know what you actually qualify for.

Rent vs. Buy

See what renting versus buying looks like over the time you plan to stay in the home.

How long will you stay?

Years in this home tap to change

If you buy

Home price $

Down payment $

Interest rate %

Closing costs $

Property tax $/year

Insurance $/year

Home appreciation %/year (assumed)

If you rent

Monthly rent $

Annual rent increase %

After 5 years

If you rent

You’d spend

You’d build

$0equity gained

Your net cost

If you buy

You’d spend

You’d build

$0equity + appreciation

Your net cost

Buying puts you ahead by

over 5 years in this home

How this works: Rent is money that goes to your landlord and doesn’t come back. When you buy, part of what you pay each month builds equity (you own more of the home), and the home itself may grow in value. Your down payment isn’t counted as a cost — it becomes equity you still own. Appreciation uses the annual rate you set; markets can move faster, slower, or down. A Loan Advisor can walk through what the math looks like for your specific situation — start a conversation or call 877-466-8195.

Ready for real numbers, not estimates?

A quick call with a licensed Loan Advisor turns these estimates into actual programs you qualify for.

Talk to a Loan Advisor

Estimates only, not a rate quote or commitment to lend. Calculations use assumptions we’ve set to be broadly reasonable but do not reflect any specific lender’s pricing, guidelines, or your actual qualification. Interest rates, program availability, closing costs, and terms vary by lender, state, credit, property, and loan program, and change without notice. Actual loan terms will be provided in a Loan Estimate after formal application, credit review, and property appraisal. See our Disclosures & Licensing page for state license information.