Talk to Rick(941) 500-4064 Schedule a CallGet Pre-Approved
Buy a Home
Refinance
Conventional LoansFHA LoansVA LoansUSDA LoansJumbo LoansFixed RateAdjustable Rate (ARM)Interest OnlyGraduated PaymentCompare all programs
Calculators
Loan ProcessMortgage BasicsApplication ChecklistGlossaryFAQBlog
About RickClient ReviewsContactSchedule a Call
Get Pre-Approved Schedule a Call Call (941) 500-4064
Mortgage calculators

Run the numbers in seconds.

Ten free calculators: payments, affordability, refinancing, rent vs. buy, points, buydowns and more.

Drag or type
$
$0
%
%
Loan term
$
$
$
Estimated monthly payment
$0
Loan amount $0
Principal & interest$0
Property tax$0
Home insurance$0
Mortgage insurance (est.)$0
HOA$0

Send these numbers to Rick

Estimates for illustration only. Not a loan offer; your rate and payment depend on credit, property and program.

$
Optional: tap your equity
$
$
%
New loan term
$
$
New monthly payment
$0
Principal & interest
Property tax
Home insurance
New loan amount
Cash to you
Total interest over the loan

Send these numbers to Rick

Monthly payment includes principal, interest, property tax and homeowners insurance.

$
Car, student loans, credit cards
$
$
%
Comfort level
$
$
You may be able to afford
$0
Estimated loan amount$0
Max monthly housing budget$0
Principal & interest$0
Property tax$0
Home insurance$0

Send these numbers to Rick

Uses a 36% (comfortable) or 43% (stretch) debt-to-income ratio. Your monthly housing budget covers principal, interest, property tax and insurance.

$
%
yrs
%
New term
$
Monthly savings
$0
Current payment (P&I)$0
New payment (P&I)$0
Break-even
Lifetime difference$0

Send these numbers to Rick

Principal & interest only. A shorter or longer new term changes total interest paid.

$
%
$
%
%
yrs
%
% of value
% of value
Over your stay, buying could save
$0
Total cost of renting
Net cost of buying
Home equity when you sell
Monthly mortgage payment (P&I)

Send these numbers to Rick

Net cost of buying = down payment, 3% closing costs, payments, taxes, insurance and upkeep, minus equity after 6% selling costs. 30-year loan.

$
%
Loan term
$
Interest you'd save
$0
Paid off sooner by
New payoff time
Regular payment (P&I)$0

Send these numbers to Rick

Assumes extra payments start now and go fully to principal.

$
%
$
%
$
%

Leave a balance at $0 to skip that loan.

Your blended interest rate
$0
Total balance
Combined monthly interest

Send these numbers to Rick

Blended rate is the balance-weighted average of your loan rates. Compare it with today's rate before a cash-out refinance.

$
%
%
1 point = 1% of loan
pts
Loan term
yrs
Break-even point
$0
Cost of points
Monthly savings
Net savings over your stay

Send these numbers to Rick

Principal & interest only. Pricing per point varies by lender and market.

$
%
Loan term
Monthly payments
payments
Remaining balance
$0
Principal paid so far
Interest paid so far
Loan paid off
Monthly payment (P&I)

Send these numbers to Rick

Assumes regular monthly payments with no extra principal.

$
%
Loan term
Buydown type
Cost of the buydown
$0
Year 1 payment
Year 2 payment
Year 3 payment
Full payment after buydown

Send these numbers to Rick

A temporary buydown lowers your rate by 1% per step for the first years; the cost is usually paid by the seller or builder.

Information and interactive calculators are provided as self-help tools for your independent use and are not intended to provide investment advice. We cannot guarantee their applicability or accuracy to your individual circumstances. All examples are hypothetical and for illustrative purposes. Please seek personalized advice from qualified professionals regarding all personal finance issues.

Want real numbers?

Calculators are a great start. A quick conversation gets you an exact rate, payment and closing cost estimate.

Get Pre-Approved Schedule a Call
Call ScheduleGet Pre-Approved