Ten mortgage calculators
Each one on its own page, each one shareable as a link, each one honest about what it assumes. Pick the question you actually have.
Monthly Payment Calculator
Break a purchase price down into every line of the monthly payment: principal and interest, property tax, homeowners insurance, mortgage insurance and HOA dues — then watch the balance fall across the full term.
Open calculatorAmortisation Schedule
The whole loan, payment by payment. Switch between a month-wise and a year-wise view, see the split between interest and principal move over time, and read the running totals at any point in the term.
Open calculatorAffordability Calculator
Work backwards from what you earn and what you already owe to a price range you can carry, and see which constraint binds first — the front-end ratio, the back-end ratio or the down payment.
Open calculatorRefinance Break-even Calculator
Put a new rate and term next to what you owe now, subtract the cost of getting there, and find the month the refinance turns positive.
Open calculatorExtra Payment Calculator
Add a recurring overpayment, a single lump sum, or both, and see how many months come off the term and how much interest never gets charged.
Open calculatorRent vs Buy Calculator
Compare renting and owning over the years you actually expect to stay, including rent growth, appreciation, and the equity you build along the way.
Open calculatorVA Purchase Calculator
Model a VA purchase with no down payment, including the funding fee rolled into the loan, so the monthly number on the page is the real one.
Open calculatorVA Refinance Calculator
Run a VA interest-rate-reduction refinance or a cash-out against your current payment, with the funding fee included in the comparison.
Open calculatorDSCR Calculator
Check the debt-service coverage ratio on an investment property: rent against principal, interest, taxes, insurance and HOA, plus the monthly cash flow left over.
Open calculatorFix & Flip Calculator
Add up purchase, rehab, financing, holding and selling costs against the after-repair value to estimate the net profit and return on a flip.
Open calculatorQuestions about the calculators
Start with Affordability if you are working out a budget, Monthly Payment if you already have a price in mind, and Refinance if you own a home and want to compare a new loan. VA buyers and homeowners have their own VA calculators, and investors can use DSCR or Fix & Flip.
They are estimates based on the numbers you enter and standard formulas. Your actual rate, payment and costs depend on your credit, the property, your loan program and current pricing, so treat the results as a guide rather than an offer.
No. The calculators run in your browser and don't check your credit. A credit check only happens if you apply or ask for a pre-approval, and Jeremy will tell you before that happens.
Yes. Each calculator page keeps your inputs in the link, so you can copy it, bookmark it or use "Email these results" to send the scenario to yourself and Jeremy.
Use the quote form on any calculator page or the Get a Quote page. Jeremy prices your scenario across multiple wholesale lenders and sends you real numbers, with no obligation.
Please note: these results are estimates
The figures come from the numbers you enter and standard mortgage formulas. They are not a quote, an APR, an offer of credit or a commitment to lend. Taxes, insurance and mortgage insurance use the rates you type in, so your actual bills will differ.
For real numbers, request a quote or call (480) 677-0644.