Free Tools
Tools & Calculators
Run the numbers before you call. These calculators give you a real picture of your monthly payment, borrowing power, and debt load.
Mortgage Payment
Estimate your monthly principal & interest payment based on loan amount, rate, and term.
Est. Monthly Payment
$—
Principal & Interest only
Loan Amount—
Total Interest Paid—
Total Cost of Loan—
Est. Property TaxAdd 1–1.25% annually
Est. Insurance~$100–200/mo
HELOC Calculator
Estimate how much you can borrow from your home equity and what the monthly draw payment looks like.
Max HELOC Available
$—
Based on LTV and current balance
Available Equity—
Max Borrowable—
Monthly Interest (draw)—
Draw Period10 Years
Repayment Period20 Years
Debt-to-Income (DTI)
Lenders use your DTI to assess how much debt you carry relative to your income. Most programs require under 43–50%.
Your DTI Ratio
—%
Enter your numbers above
Front-End DTI—
Back-End DTI—
Conventional Max43–50%
FHA Max57%
DSCR LoansNo DTI limit
Cash-Out Refinance
See how much cash you can pull out and what your new monthly payment would be.
Cash Available
$—
At 80% LTV max
New Loan Amount—
New Monthly Payment—
Available Equity—
Max LTV80%
DSCR Calculator
Find out if your rental property qualifies for a DSCR loan and what ratio you'd come in at.
Your DSCR Ratio
—
Enter your numbers above
Monthly PITIA—
Rental Income—
Min to Qualify0.75 DSCR
Best Rates1.25+ DSCR
Affordability Calculator
Find out how much home you can afford based on your income, debts, and down payment.
Max Home Price
$—
Based on 43% DTI
Max Loan Amount—
Max Monthly Payment—
Monthly Income—
DTI Used43%