Compare rates, points, and breakeven.
Line up a Par rate against options that buy the rate down (or take a lender credit). See points cost, monthly savings, and how long to break even, then download a branded PDF. Runs entirely in your browser. Estimate only.
Scenario
Change the program to load smart defaults. Everything stays editable.
- Base loan
- $0
- Financed upfront
- $0
- Total loan
- $0
Rate options
Enter rates yourself. Negative points = lender credit.
Up to 5 options.
Comparison
Updates live as you type. Par is highlighted.
| Option | Rate | Points % | Points cost | P&I | Total payment | Savings vs Par | Breakeven |
|---|
Try another calculator.
All of these run in your browser. Estimates only, not a pre-approval or rate quote.
Payment calculator
Ballpark monthly principal and interest from a home price.
Open →Home affordability
Estimate a home-price range from income, debts, and down payment.
Open →Rent vs. buy
Compare estimated renting costs to buying over a set number of years.
Open →Property compare
Compare up to three homes and download a payment breakdown PDF.
Open →Program compare
Pick any two programs, including FHA 20 vs FHA 30, and compare cash to close.
Open →Refinance compare
Compare refinance options by program, fixed or ARM, points, and cash to close.
Open →
Want numbers that match your file?
A free Mortgage Strategy Session turns this estimate into real program pricing, points, and a clear next step.
Keith Lopez, NMLS #2814077 | NEXA Mortgage, LLC, NMLS #1660690 | Licensed in NC, SC & GA | Equal Housing Opportunity