Calculators
Run your own numbers before anybody asks you for a document. Everything here happens in your browser and nothing is sent anywhere.
What can I afford
Switch programme and watch the payment and the debt to income ratio move. Each programme is measured against its own underwriting guideline, which is the part a generic calculator leaves out.
Results are estimates for comparison only and accuracy is not guaranteed. This calculator does not prequalify you for any loan program. Rates, taxes, insurance, and fees are estimates and change without notice. Confirm all numbers with your loan officer.
Purchase payment and payoff
The full monthly payment, the lifetime cost, and what an extra payment does to the finish line.
Results are estimates for comparison only and accuracy is not guaranteed. This calculator does not prequalify you for any loan program. Rates, taxes, insurance, and fees are estimates and change without notice. Confirm all numbers with your loan officer.
Should I refinance
The honest test is the break even. If it lands after you plan to move, the answer is no, and this will tell you so.
Results are estimates for comparison only and accuracy is not guaranteed. This calculator does not prequalify you for any loan program. Rates, taxes, insurance, and fees are estimates and change without notice. Confirm all numbers with your loan officer.
Rent or buy
Buying is not automatically better. This compares the change in your wealth on each path, year by year, including the money you would have invested instead of putting it down.
Results are estimates for comparison only and accuracy is not guaranteed. This calculator does not prequalify you for any loan program. Rates, taxes, insurance, and fees are estimates and change without notice. Confirm all numbers with your loan officer.
Now put a real rate against it
The calculators take whatever number you give them. I can tell you what you actually qualify for.