Mortgage Calculators

Our Mortgage Calculators 

Our mortgage calculators give you financial information that empowers you to make confident home-buying decisions. See how our housing calculator options can support your home financing strategy and potentially save you money. 

DSCR Calculator

Use our DSCR refinance calculator to see how much you could potentially save by refinancing the mortgage on your investment property. With a DSCR refinance, you can qualify using the property’s rental income rather than personal income. Estimate how much you can save with this type of loan.

VA Loan Calculator

Military service members and veterans can use our VA loan calculator to understand the benefits of these government-backed home loans. This specialized mortgage calculator shows how VA loans can eliminate the need for a down payment and private mortgage insurance.  You can also use the VA loan calculator to see if now is a good time to refinance your existing loan. 

2/1 Buydown Calculator

Looking to reduce your initial mortgage payments? Our 2/1 buydown calculator shows you how much you can save in the first two years of your loan. This temporary interest rate reduction can make homeownership more affordable during the critical early years. Input your loan amount to see how a buydown could impact your monthly payments. 

Debt Consolidation Calculator

Take control of your finances with our debt consolidation calculator. This tool helps you see how consolidating high-interest debts into a mortgage might lower your monthly obligations. Enter your current debts and mortgage details to visualize potential savings and decide if consolidation makes sense for you. 

Bank Statement Loan Calculator

Self-employed borrowers can use our bank statement loan calculator to estimate loan amounts based on bank deposits rather than tax returns. This alternative qualification method can help entrepreneurs and business owners who might not show sufficient income on tax documents. Enter your average monthly deposits to see what you might qualify for.

Bank Statement Loan Refinance Calculator

If you’re self-employed and considering refinancing, a bank statement loan refinance calculator can help you better understand how much you qualify for and how much you could potentially save with this type of financing. Adjust the inputs to quickly compare different refinancing scenarios.

Blended Rate Calculator

Considering combining loans or adding a second mortgage? Our blended rate calculator helps you determine the effective interest rate when combining multiple loans. This tool is perfect for homeowners looking at renovation loans or considering keeping their existing mortgage while adding another. Enter both loan details to see your combined rate. 

VA Loan Affordability Calculator

As a VA-eligible veteran, you can find out what home price fits your budget with our home affordability calculator. This essential tool considers your income (including BAH), debts, VA funding fee (if applicable), and down payment to suggest an appropriate price range. Enter your financial details to get a realistic picture of what homes you should look at in the market.

Mortgage Payoff Calculator

Want to own your home sooner? Our mortgage payoff calculator shows how making extra payments can shorten your loan term, which helps you save on interest. With this tool, you can visualize different payment strategies and their impact on your mortgage timeline. Input your current mortgage details to see how even small extra payments can help you save and determine when your mortgage will be paid in full.

Biweekly Mortgage Calculator

Our biweekly mortgage calculator demonstrates how splitting your monthly payment into two smaller biweekly payments can help you pay off your loan faster. This simple change to your payment schedule can save thousands in interest over the life of your mortgage. Enter your loan information to see the potential long-term benefits of biweekly payments. 

Rent vs Buy Calculator

Not sure whether to keep renting or take the plunge into homeownership? Our rent vs. buy calculator compares the financial impact of both options over time. This tool accounts for mortgage payments, tax benefits, property appreciation, and rental increases. Input your current rent and potential purchase details to see which option is best for you. 

Closing Costs Calculator

It’s essential to understand what you’ll pay in closing costs when buying a home in order to avoid any unpleasant surprises. Use this calculator to quickly estimate the closing costs you could pay based on the home price, down payment, and interest rate.

DTI Ratio Calculator

Your debt-to-income (DTI) ratio is a key financial metric that lenders take into account when evaluating you as a borrower, and it can impact the rate and loan terms you qualify for. Use our DTI ratio calculator to see how your monthly debts stack up against your income.

Cash-Out Refinance Calculator

Use this calculator to see how much cash you could potentially get with a cash-out refinance loan, and see what that new loan would look like in your case.

Home Value Estimator

Enter your address to quickly estimate your home’s value. By seeing what your house is potentially worth, you can be more informed when it comes to things like selling, refinancing, or tapping into your home’s equity.

Capital Gains Tax for Real Estate Investment Calculator

If you’re selling an investment property, consider using this calculator to estimate the capital gains taxes you may have to pay based on factors like the sale price, original cost, and improvements.

Home Affordability Calculator

See how much home you can afford using our home affordability calculator. Estimate what your price range for buying a home may be based on things like your income, debts, down payments, interest rate, and loan terms.