Run a calculation
- Drop your PMI
PMI removal
See if you can drop PMI now, when you'll be eligible if not, and what it's costing you each month while it's still on the loan.
- FHA → conventional refi
FHA → conventional refi
Monthly savings, break-even time, and lifetime cost when you refinance an FHA loan into a conventional one and drop the lifetime mortgage insurance.
- Escrow audits
Escrow overcharge
Walk through your annual escrow statement line by line and catch the oversized cushions and manufactured shortages servicers use to push your payment up.
- Homestead & exemptions
Homestead savings
Save Our Homes cap savings by county, plus the filing deadlines, millage rates, and exemption stack you'll need to actually claim them.
- Refinance
Recast
What a lump-sum payment does to your monthly P&I and total interest when you keep the original term.
- Buying a home
Mortgage payment
Principal-and-interest payment from loan amount, rate, and term. Escrow and PMI not included.
- Buying a home
Affordability
How much house you can carry on your income, debts, and down payment at a given DTI band. Property tax and insurance baked in.
- Refinance
Refinance
Monthly savings, break-even months, and lifetime interest after a refi, with closing costs and a reset term factored in.
- Buying a home
Amortization
Year-by-year balance, principal, and interest breakdown, with optional extra-principal acceleration.
- Buying a home
DTI
Front-end and back-end DTI from your gross income, proposed housing, and other monthly debts, with the underwriting bands flagged.
- Buying a home
Closing cost
Itemized buyer-side closing costs — lender fees, title, prepaids, and recording. Toggle on Florida mode for doc stamps, intangible tax, and promulgated title rates.
- Buying a home
Rent vs. buy
Compare the all-in monthly cost of renting versus owning over your expected stay. Factors in purchase price, rate, taxes, insurance, and opportunity cost on the down payment.
- Buying a home
Home equity
What you've built so far, what you could borrow against at common LTV caps, and how much an extra principal payment moves that number.
- Buying a home
Mortgage payoff
Years and interest saved when you pay a little extra every month, drop one lump sum a year, or switch to biweekly payments.
- Homestead & exemptions
Property tax
Annual, monthly, and quarterly property tax from home value, county millage, assessment ratio, and any homestead exemption. Includes a 10-year projection at your state's assessment cap and a state-by-state rate comparison.
- Buying a home
Down payment
Cash you'll actually need at the table, how long it'll take to save, and what the payment looks like at 3.5%, 5%, 10%, 15%, 20%, and 25% down.
- Buying a home
APR
The true annual percentage rate on a loan once upfront and financed fees are factored in. Usually higher than the stated interest rate.
- Buying a home
FHA loan
The full FHA payment with 1.75% upfront MIP, the annual MIP rate calculated for you, and a realistic MIP duration based on your LTV.
- Buying a home
VA loan
Your VA mortgage payment with the right funding fee tier already picked for first-time or subsequent use. Toggle the service-connected disability exemption if it applies.
- Buying a home
Home insurance
Annual homeowners premium by state, deductible, construction type, and home age, including the discounts insurers actually credit instead of just advertising.
- Refinance
Cash-out refi
How much equity you can pull at 80% LTV, your new monthly payment versus the current one, closing costs, and what you'd actually walk away with in hand.
- Refinance
Home equity loan
Monthly payment, the real APR once closing costs are in, total cost over the life of the loan, and how much you can borrow against your equity at a lender's LTV cap.
- Buying a home
Loan comparison
Compare two or three loan offers side by side on rates, points, origination, monthly payment, total interest, and lifetime cost, so you can see which one actually saves money.