Free Mortgage Calculators & Tools
Every tool is free, no signup required. I built these because buyers deserve math, not a sales pitch. Adjust every number yourself — then bring me your scenario and I'll give you the human-verified version.
Affordability Calculator
What home price fits your income? Uses the 28/36 guideline lenders start with.
Most searchedMonthly Payment (Full PITI)
Principal, interest, taxes, insurance, PMI, HOA — the real payment, not just P&I.
High intentRefinance Break-Even
When does refinancing actually pay off? Break-even month + lifetime savings.
SharableRent vs Buy
The long-term wealth math, with appreciation and rent growth.
QualifierDTI Calculator
The ratio lenders care about most — front-end and back-end.
LocalIllinois Closing Cost Estimator
Itemized 2–5% estimate with Illinois transfer taxes.
Deep diveAmortization + Extra Payments
See exactly where each payment goes — and what extra principal saves you.
StrategyDiscount Points Break-Even
Should you buy down your rate? The break-even math.
CompareFHA vs Conventional
Side-by-side monthly and long-term cost comparison.
CompareHELOC vs Cash-Out Refi
Which way to tap equity costs less?
2 minutesHomebuyer Readiness Quiz
9 questions → your score, your #1 blocker, your next steps. No SSN.
ChecklistPre-Approval Document Checklist
Interactive checklist personalized by borrower type.
Important: All calculations on this site are estimates for educational purposes only and do not constitute a loan offer, approval, or commitment to lend. Your actual rate, payment, and terms depend on credit approval and will be provided by your loan officer.