Mortgage numbers at your fingertips
Professional mortgage calculators to help you make informed financial decisions
Today's Financial Markets
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How Our Calculators Help You
Buying Calculator
Calculate monthly payments, total interest, and determine affordability based on your income and down payment. Compare different loan terms and interest rates.
Refinance Calculator
Analyze potential savings from refinancing your current mortgage. Compare your existing loan with new rates and terms to determine break-even points.
Rent vs Buy Calculator
Make informed decisions about whether to rent or buy based on your financial situation, local market conditions, and long-term plans.
Lenders Directory
Browse and compare over 30 top mortgage lenders. Find the right lender for your specific needs and get direct access to their mortgage applications.
Understanding Your Monthly Payment Breakdown
Principal & Interest
The main loan payment that builds equity in your home over time.
Property Taxes
Annual taxes based on your home's assessed value, typically escrowed monthly.
Homeowners Insurance
Protects your investment against damage from fire, storms, and other covered events.
PMI (if applicable)
Private mortgage insurance required when your down payment is less than 20%.
HOA Fees
Homeowner association dues for community amenities and maintenance services.
Mello-Roos
Special assessment districts for infrastructure improvements in newer developments.
Extra Payments
Additional costs like maintenance, utilities, and unexpected home repairs to budget for.
Mortgage Tips for Success
Before You Apply
- • Check your credit score and improve it if needed
- • Save for a larger down payment to reduce monthly costs
- • Calculate your debt-to-income ratio
- • Get pre-approved to understand your budget
- • Gather all necessary financial documents
Choosing the Right Loan Type
- • Compare 15-year vs 30-year mortgage terms
- • Consider fixed vs adjustable-rate mortgages
- • Factor in private mortgage insurance (PMI)
- • Shop around with multiple lenders for best rates
- • Understand different loan programs (FHA, VA, USDA)
Common Mistakes to Avoid
- • Don't make major purchases before closing
- • Avoid switching jobs during the process
- • Don't skip the home inspection
- • Never ignore closing costs in your budget
- • Don't forget about ongoing maintenance costs