Free mortgage tools
Mortgage tools without the markup math.
The same tools we use internally to price loans for our borrowers. No signup. No SSN. No hard pull. Just answers.
Loan Estimate Review
Got an LE from another lender? Paste the numbers and we'll compare it line-by-line against today's wholesale benchmark — rate, points, origination, closing costs. See exactly where you can do better.
Mortgage Payment & Amortization
Full PITI breakdown, year-by-year amortization, and a built-in toggle for 3/2/1, 2/1, 1/1, and 1/0 temporary buydowns.
Temporary Buydown
Purchase-focused buydown calculator. See the seller credit you need to negotiate, year-by-year payments, and how it stacks up against a price reduction or permanent points.
How Much House Can I Afford?
Plug in your income, debts, and target DTI — we'll show you the maximum purchase price, loan amount, and PITI you should be shopping at.
Refinance Break-Even
Compare your current loan against a proposed refinance. Find out exactly when the closing costs pay for themselves — and what the lifetime cost looks like.
VA Entitlement (Bonus Entitlement)
Already have a VA loan? See if your remaining entitlement can buy the next home with $0 down while you keep the current one, and the exact down payment if not.
Extra Payment Impact
See how an extra $100/month (or $1,000 once a year) shaves years off your loan and saves you tens of thousands in interest.
Ready for your real number?
Tools are great for ballpark. A quote against today’s wholesale rates is what you actually need.
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