Mortgage Calculators

Estimate your monthly payment, see how buying down your rate with points saves money, compare financing strategies, or look up local tax and insurance rates.

Estimated Monthly Payment
$2,846
Principal & Interest
$2,528
Property Tax
$521
Insurance
$125
Extra Payment
$0
New Loan Amount
$400,000
Balance Over Time
Remaining Balance
Principal Paid
Interest Paid
Estimates are for informational purposes only. Actual payments may vary.

Rate Buydown Calculator

See how buying discount points upfront can lower your rate, reduce your monthly payment, and save you money over the life of the loan.

−4 +4
Lender Credit Discount Points
1.000 points
Base Rate — No Points
Rate
6.750%
Monthly P&I
$0
Total Interest
$0
Saves $0/mo
With Points
New Rate
6.500%
Monthly P&I
$0
Total Interest
$0
Cost of Points
$0
Monthly Savings
$0
Breakeven
0 mo
Net Lifetime Savings
$0
Net Savings Over Time
Net Savings / Cost Over Time
Breakeven Point
All Point & Credit Levels at a Glance
PointsCost / CreditRateMonthly P&IMo. DifferenceBreakevenNet Savings (Life)
One discount point = 1% of the loan amount paid upfront at closing to lower your rate. A lender credit is the reverse — you accept a higher rate and receive a credit toward closing costs. All values shown in ⅛-point (0.125) increments for fine-tuning. This calculator models diminishing returns — the first point gives the full stated reduction, with each additional point yielding slightly less, reflecting real-world lender pricing. Actual rate adjustments vary by lender and market conditions. Contact me to see your real options.

Cash-Out Refi vs. Second Mortgage

Compare refinancing your first mortgage against adding a second mortgage to access your equity.

Your Current First Mortgage
Your Existing Second Mortgage
Cash You Need
Option A — Cash-Out Refinance (New First Mortgage)
Option B — Keep First Mortgage + Add Second Mortgage
These estimates are for comparison purposes only. Actual rates, payments, and costs will vary. Contact me to run your real numbers.

DSCR Loan Calculator

See if your investment property's rental income qualifies for a DSCR loan — no personal income verification needed.

Property & Loan
Rental Income
Monthly Expenses
Your DSCR Ratio
1.25
Qualifies
Monthly P&I
$0
Monthly PITIA
$0
Effective Rent
$0
Monthly Cash Flow
$0
New Loan Amount
$0
Annual Cash Flow
$0
Monthly Cash Flow Over Time
Net Cash Flow
PITIA Payment
Effective Rent
DSCR Quick Guide
1.25+ Strong — best rates & terms
1.0 – 1.24 Qualifies — standard DSCR programs
Below 1.0 Negative cash flow — limited options, higher rates
DSCR = Gross Rent ÷ PITIA. Lender requirements vary. Contact me to discuss your deal.

Property Tax & Insurance Lookup

Enter a zip code to get estimated property taxes and homeowners insurance rates for that area.

Estimated Max Home Price
$642,721
Max Loan Amount
$578,449
Down Payment
$64,272
Est. Monthly Payment
$3,800
Max Monthly Housing
$3,800
Estimates are for informational purposes only. Actual qualification may vary.
Minimum Down Payment by Program

Ready to Get Started?

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