Three calculators that use real arithmetic
No email gate, no lead capture, no fake urgency. Change the numbers and watch the answer move. Then bring the scenario to a call and we will check it against actual pricing.
Pick the question you are actually asking
Monthly payment
Principal, interest, property tax, insurance and HOA dues in one number, using a California supplemental tax estimate rather than a national average.
Best when you have a price in mind
Open the calculator
Affordability
Works backward from your income, including bonus and vested equity, to a purchase price that fits a debt to income ratio you choose.
Best before you start shopping
Open the calculator
Refinance break even
Compares your current payment to a new one and tells you how many months of savings it takes to cover the cost of the refinance.
Best if you already own
Open the calculator
Sample figures for illustration only. Not an offer to lend or a rate lock. Actual pricing depends on credit, loan amount, property, occupancy, term and the market on the day you lock.
Numbers questions
What the calculators can tell you, and where they stop.
Call (408) 555-0124 or book a 20 minute slot. No documents needed for the first conversation.
No. Every rate, APR and payment shown here is a sample figure for a demo website. Real pricing changes daily and depends on your credit, loan size, property, occupancy and term. Ask me for a written quote and you will get one the same day.
It depends on how long you will keep the loan. Divide the cost by the monthly savings to get the break even in months, then compare that to your honest plan. Under five years, points rarely pay for themselves.
Plan on roughly 1.5% to 2% of the purchase price in lender, title, escrow and recording fees, plus prepaid property taxes and insurance. On a refinance the range is smaller, and an appraisal waiver often saves about a thousand dollars.
Twenty one days is normal on a clean file, and I have closed in fifteen when an appraisal was waived. Government loans and renovation loans run longer, usually 30 to 45 days.
Check your scenario against real pricing
Calculators use sample rates. A quote uses today's. Bring your numbers and we will compare.
Sample figures across this site are illustrations, not quotes. Equal Housing Opportunity.