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Run the numbers yourself.

Use our free calculators to explore payments, loan amounts, and different scenarios on your own. Nothing you enter is captured or emailed to us, and you do not need to provide any personal information to use them. When you are ready to see how the numbers look with current rates, actual loan options, and estimated fees, that is where we come in.

Estimates only. Actual figures depend on your credit, the property, taxes, insurance and the lender. Not a loan offer or a commitment to lend.

Monthly payment (PITI)

Principal, interest, taxes and insurance — the number that actually leaves your account.

Home price Down payment Interest rate Term Property tax / yr Insurance / yr

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estimated monthly payment

Principal & interest —
Taxes —
Insurance —
Mortgage insurance —

Loan amount —

What can I afford?

Works backwards from your income and debts to a price range.

Household income / yr Monthly debt payments Down payment saved Interest rate Max DTI

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estimated maximum price

Payment budget —
Supported loan —

Qualifying is not the same as comfortable. The number you should spend is usually lower than the number you can borrow.

Rent vs. buy

How many years before buying beats renting, given what you would pay either way.

Monthly rent now Home price Down payment Interest rate Home appreciation / yr Rent increase / yr

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break-even point

Owning, monthly —
Renting, monthly —
Equity after 5 yrs —

Assumes 3% selling cost and 1% a year maintenance.

Refinance breakeven

The only question that matters: how long until the refinance pays for itself?

Current balance Current rate New rate Years left on current loan New term Closing costs

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months to break even

Monthly saving —
New payment —
Total interest change —

VA funding fee

The one-time fee in place of monthly mortgage insurance — and who does not pay it.

Loan amount Down payment Subsequent use of the benefit Exempt — service-connected disability

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estimated funding fee

Fee rate —
Financed loan total —

Veterans receiving compensation for a service-connected disability pay no funding fee at all. More on VA loans.

DSCR

Does the rent cover the payment? That is the entire underwriting test.

Monthly rent Loan amount Interest rate Taxes + insurance / yr HOA / month

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debt service coverage ratio

PITIA —
Monthly cash flow —

Extra payment payoff

What an extra amount each month actually buys you in years and interest.

Loan balance Interest rate Years remaining Extra per month

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interest saved

Paid off —
New payoff time —
New payment —

Assumes the extra goes to principal every month from today.

Now put real numbers behind it.

A calculator uses the rate you typed in. We will look at the rate and loan options actually available to you, with the fees that come with them.

See What You Qualify For Call (615) 364-4231