ROOM FOR THE WHOLE PICTURE

Make the numbers
work for your life.

Explore six planning tools. Your inputs stay in your browser.

All rates and fees below are hypothetical assumptions, not current offers or APRs. These tools do not determine approval.

Choose a calculator

Home price / value ($)Down payment ($)Illustrative annual interest rate (%)Loan term (years)Annual property taxes ($)Annual homeowners insurance ($)Monthly HOA dues ($)Monthly mortgage insurance / other fees ($)

Loan program fees and assumptions

For FHA, VA, or USDA estimates, enter the applicable financed upfront fee in dollars and monthly insurance above. Confirm current rates and any exemptions with John; this calculator does not infer eligibility or fee schedules.

Financed upfront program fee ($)

Gross qualifying monthly income ($)Other recurring monthly debt ($)Extra monthly principal ($)Current loan balance / HELOC draw ($)Current mortgage annual rate (%)Current loan remaining yearsRefinance costs paid in cash ($)Target total monthly housing budget ($)

Your estimate

Choose a tool and calculate to see the result.

Know what’s included

Fixed-rate monthly amortization uses principal × monthly rate ÷ (1 − (1 + monthly rate) raised to the negative number of payments). At zero interest it divides principal by payments. Property costs and entered mortgage insurance are added separately and remain constant in the model.

Refinance compares principal and interest on the current balance at the remaining term against a replacement loan of the same balance. Costs are assumed paid in cash; taxes and insurance are excluded from savings. Break-even ignores tax effects and time value. HELOC draw payments are interest-only; repayment assumes no new draws and a fixed input rate. Actual variable-rate payments can change.

The buying range solves for a loan amount using your target housing budget after entered property costs; it adds your down payment and subtracts any financed fee. It does not apply underwriting ratios or program limits. Amortization excludes property costs, and extra-payment results assume no penalties or payment changes.

Make the numberswork for your life.

Your estimate

Know what’s included

Let’s find your way home.

Make the numbers
work for your life.