Free mortgage calculators, built for real decisions.
Every tool runs in your browser with no sign-up and no credit pull. Several download a clean PDF you can share with a co-borrower or agent. They are estimates only, not a pre-approval or rate quote.
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Mortgage Payment Calculator
Estimate a monthly mortgage payment by program, including FHA MIP, the VA funding fee, USDA guarantee fees, and conventional PMI.
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Home Affordability Calculator
Estimate a comfortable and a stretch home-price range from income, monthly debts, down payment, and rate using Conventional, FHA, VA, or USDA debt-to-income guidelines.
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Rent vs. Buy Calculator
Compare the estimated cost of renting to buying over a set number of years, including appreciation, equity, closing costs, and selling costs.
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Rate Options and Points Calculator
Compare a par rate against options with discount points or lender credits, with monthly savings, upfront cost, and breakeven in months.
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Property Compare
Compare up to three homes side by side with full monthly payment breakdowns, taxes, insurance, HOA, and cash to close, then download a PDF.
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Loan Program Compare
Compare 2 to 4 loan programs side by side, including Conventional, FHA, VA, USDA, and physician loans, by rate, down payment, seller concessions, cash to close, and monthly payment.
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Refinance Compare
Compare refinance options by program and structure, fixed or ARM, discount points, costs rolled into the loan, and cash to close.
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Want real numbers instead of estimates?
A free Mortgage Strategy Session plugs in your actual income, credit, and program pricing.
Keith Lopez, NMLS #2814077 | NEXA Mortgage, LLC, NMLS #1660690 | Licensed in NC, SC & GA | Equal Housing Opportunity