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Mortgage Tools & Calculators

Free tools to help you make informed decisions. Complete tools to earn badges!

Pre-Qualification & Planning

Understand what you can afford before you start house hunting.

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Mortgage Payment Calculator

Calculate your monthly payment including principal, interest, taxes, and insurance.

Calculate Now → +1 Badge
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How Much House Can I Afford?

Find your price range using income, debts, and down payment info.

Find Out → +1 Badge
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DTI Calculator

Calculate front-end and back-end debt-to-income ratios.

Calculate DTI → +1 Badge

Compare Your Options

Side-by-side comparisons to help you choose the right loan.

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Loan Type Comparison

Compare FHA, VA, Conventional, and USDA loans side by side.

Coming Soon
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Points vs. Rate Calculator

Should you buy discount points? Find your break-even point.

Coming Soon
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ARM vs. Fixed Rate

Model scenarios to compare adjustable vs. fixed rate mortgages.

Coming Soon
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Rent vs. Buy Calculator

Is now the right time to buy? Compare the true costs.

Coming Soon

Refinancing & Equity

Tools for current homeowners looking to optimize their mortgage.

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Refinance Calculator

Calculate your break-even point and potential savings from refinancing.

Calculate → +1 Badge
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Home Equity Calculator

Track your equity growth and see what you could borrow.

Coming Soon
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Cash-Out vs. HELOC

Compare cash-out refinance with a home equity line of credit.

Coming Soon

Credit Improvement

Tools to help you understand and improve your credit profile.

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Credit Score Simulator

See how different actions might affect your credit score.

Coming Soon
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Score Target Calculator

Find the quickest path to reach your target credit score.

Coming Soon