Mortgage calculator center
Run your numbers. No contact information required.
Every calculator here works on desktop and mobile and shows results immediately. When you want the assumptions checked against real program guidelines, Jim will do that with you.
Calculator results are estimates provided for educational purposes only. They are not an offer to lend, a rate quote, a pre-approval, a Loan Estimate or a commitment to lend. Actual payments, costs and terms depend on your complete application, credit review, property details and current market conditions.
Monthly Mortgage Payment Calculator
Estimate principal, interest, taxes, insurance, HOA dues and mortgage insurance separately.
$100,000 down
Verify the actual parcel rate
Applied when down payment is under 20%
Estimated monthly payment
$2,928
Loan amount $400,000 · Down payment $100,000
Calculator results are estimates provided for educational purposes only. They are not an offer to lend, a rate quote, a pre-approval, a Loan Estimate or a commitment to lend. Actual payments, costs and terms depend on your complete application, credit review, property details and current market conditions.
Want Jim to review these numbers with you?
Home Affordability Calculator
Estimate a purchase range based on income, debts and the payment you are comfortable carrying.
Estimated purchase range
$699,684
Qualifying ratios vary by program and by compensating factors. This is a planning estimate only.
Calculator results are estimates provided for educational purposes only. They are not an offer to lend, a rate quote, a pre-approval, a Loan Estimate or a commitment to lend. Actual payments, costs and terms depend on your complete application, credit review, property details and current market conditions.
Want Jim to review these numbers with you?
Down Payment Calculator
See how the down payment percentage changes cash needed and loan size.
Estimated cash to close
$62,500
Calculator results are estimates provided for educational purposes only. They are not an offer to lend, a rate quote, a pre-approval, a Loan Estimate or a commitment to lend. Actual payments, costs and terms depend on your complete application, credit review, property details and current market conditions.
Want Jim to review these numbers with you?
Rent Versus Buy Calculator
Compare the estimated cost of renting against owning over a defined holding period.
Over 7 years
Appreciation is an assumption, not a forecast. Maintenance, selling costs and tax effects vary.
Calculator results are estimates provided for educational purposes only. They are not an offer to lend, a rate quote, a pre-approval, a Loan Estimate or a commitment to lend. Actual payments, costs and terms depend on your complete application, credit review, property details and current market conditions.
Want Jim to review these numbers with you?
Refinance Break-Even Calculator
Find how long it takes for monthly savings to recover the cost of a refinance.
Break-even
25 months
Extending the term can lower the payment while increasing total interest paid.
Calculator results are estimates provided for educational purposes only. They are not an offer to lend, a rate quote, a pre-approval, a Loan Estimate or a commitment to lend. Actual payments, costs and terms depend on your complete application, credit review, property details and current market conditions.
Want Jim to review these numbers with you?
Extra Payment Savings Calculator
See how additional principal each month changes payoff time and total interest.
Interest saved
$111,892
Calculator results are estimates provided for educational purposes only. They are not an offer to lend, a rate quote, a pre-approval, a Loan Estimate or a commitment to lend. Actual payments, costs and terms depend on your complete application, credit review, property details and current market conditions.
Want Jim to review these numbers with you?
Points Versus Rate Calculator
Compare paying discount points against keeping the cash and taking a higher rate.
Break-even on points
46 months
Calculator results are estimates provided for educational purposes only. They are not an offer to lend, a rate quote, a pre-approval, a Loan Estimate or a commitment to lend. Actual payments, costs and terms depend on your complete application, credit review, property details and current market conditions.
Want Jim to review these numbers with you?
Temporary Buydown Calculator
Model a temporary rate buydown, where a seller or lender credit reduces the rate for the first years.
Example: 2 models a 2-1 buydown
Estimated buydown cost
$9,215
Availability of temporary buydowns depends on the program and the transaction. Confirm with Jim.
Calculator results are estimates provided for educational purposes only. They are not an offer to lend, a rate quote, a pre-approval, a Loan Estimate or a commitment to lend. Actual payments, costs and terms depend on your complete application, credit review, property details and current market conditions.
Want Jim to review these numbers with you?
Closing Cost Estimator
Build a rough estimate of settlement costs by category.
Estimated closing costs
$7,800
Calculator results are estimates provided for educational purposes only. They are not an offer to lend, a rate quote, a pre-approval, a Loan Estimate or a commitment to lend. Actual payments, costs and terms depend on your complete application, credit review, property details and current market conditions.
Want Jim to review these numbers with you?
Investment Property and DSCR Calculator
Estimate debt service coverage on a rental property. Program availability must be confirmed with Jim.
Estimated DSCR
1.05
DSCR products are shown here for education. Availability is not confirmed and must be verified with Jim.
Calculator results are estimates provided for educational purposes only. They are not an offer to lend, a rate quote, a pre-approval, a Loan Estimate or a commitment to lend. Actual payments, costs and terms depend on your complete application, credit review, property details and current market conditions.
Want Jim to review these numbers with you?
Want Jim to review these numbers with you?
Estimates are a starting point. Jim will pressure-test the assumptions against real program guidelines and your actual documentation.