Calculators
The math before the meeting.
These aren't national-average estimators. They use current county loan limits, real fee structures, and the same program rules we underwrite to, so what you see here is close to what you'll see on a Loan Estimate.
Pick your program
How these were built
Each calculator follows how that specific program qualifies and prices a loan, current county limits, real mortgage insurance factors, and the costs most calculators leave out.
Buying a home
Purchase Calculator
All programs in one place. 2026 county loan limits, mortgage insurance priced by program and credit score, and an itemized cash to close.
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Affordability Calculator
How much house, solved backwards from four ceilings: debt-to-income, cash to close, the county limit, and VA residual income. It names the one that is holding you back.
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ARM Calculator
What an adjustable rate can actually become. Every change date the way a servicer computes it, best case and worst case side by side.
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Temporary Buydown Calculator
See the whole payment in every year of a 1-0, 1-1, 2-1 or 3-2-1 buydown, not just principal and interest, plus the seller's contribution ledger.
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Loan Assumption Calculator
Assuming a VA or FHA loan, with the equity gap priced first and the blended rate solved properly, not averaged.
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Rent vs Buy
Compare renting and buying on what you are worth in the end, counting the down payment's opportunity cost and the cost to sell.
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FHA and VA purchase
FHA Purchase Calculator
Upfront and monthly mortgage insurance premium math, run against current FHA county loan limits.
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VA Purchase Calculator
Funding fee by down payment and first time or subsequent use, with the disability exemption applied when it fits.
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Refinance
Refinance Calculator
The main refinance page. Break even math shown three ways, a term matched comparison, and how to cover closing costs without guessing.
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FHA Refinance Calculator
Streamline eligibility checked automatically, rate and term or cash out compared side by side, with your MIP refund credit included.
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VA Refinance Calculator
IRRRL and cash out refinance paths, so you can compare both before you decide.
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Debt Consolidation Calculator
Roll cards, car loans and personal loans into the mortgage and see all of it: the lower payment, the lifetime interest, and what happens if you redirect the saving.
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Mortgage Insurance Removal
When your mortgage insurance comes off. All four dates, including the appraisal route most owners are never told about.
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Home equity
Investor / business-purpose
These two are business-purpose loans, governed by different rules from the consumer calculators above: no APR, no ability-to-repay rule, and no right of rescission.
Want a person to run the numbers with you?
Calculators get you close. A quick call gets you exact, and gets you pre-approved.
Let's talk it through
Want to go over these numbers?
Call us, or send your info and we'll walk through them with you. A real conversation about your situation, no pressure and no obligation.
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