Free tools
Mortgage calculators without the markup math.
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.
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?
Calculators are great for ballpark. A quote against today’s wholesale rates is what you actually need.
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