Run every number yourself.
The same calculators we use when qualifying your deal — residential and commercial, all on your phone.
01 · RESIDENTIALMortgage Payment & AmortizationMonthly payment, full amortization schedule, and interest totals.Explore →02 · RESIDENTIALMortgage AffordabilityHow much home you can comfortably afford based on income and debts.Explore →03 · RESIDENTIALDown PaymentTarget down payment, PMI impact, and savings timelines.Explore →04 · RESIDENTIALRefinance AnalyzerBreak-even period, monthly savings, and lifetime interest impact.Explore →05 · RESIDENTIALVA IRRRL / FHA StreamlineVA IRRRL and FHA streamline savings, closing costs, and break-even.Explore →06 · RESIDENTIALDebt-to-IncomeFront-end and back-end DTI versus lender thresholds.Explore →07 · RESIDENTIALVA LoanVA entitlement, funding fee, and zero-down qualification.Explore →08 · RESIDENTIALVA Second-Tier EntitlementMulti-home VA — partial entitlement, county limit math, second-tier purchase + refi.Explore →09 · RESIDENTIALVA + Non-Veteran Co-BorrowerJoint VA loan with a non-veteran. Required down payment + entitlement coverage on the veteran portion.Explore →10 · RESIDENTIALVA Funding Fee LookupFunding fee percent and dollar amount by loan type, LTV bracket, and prior-use status.Explore →11 · RESIDENTIALVA Residual IncomeRegion + family-size residual income test — the VA-specific underwriting threshold.Explore →12 · RESIDENTIALRent vs BuyCrossover point where buying beats renting in your market.Explore →13 · RESIDENTIALExtra PaymentPrincipal-only payments and the years they shave off your loan.Explore →14 · RESIDENTIALBlended RateEffective blended rate across first, second, and piggyback loans.Explore →15 · RESIDENTIALARM vs Fixed RateSide-by-side ARM versus fixed rate under rate-change scenarios.Explore →16 · RESIDENTIALFlorida CondoFlorida-specific condo costs including HOA, insurance, and taxes.Explore →17 · RESIDENTIALCondo AnalyzerWarrantability, HOA health, and reserve analysis for condo buys.Explore →18 · RESIDENTIALOne-Time Close C2PSingle-close construction-to-perm sizing for FHA, VA, and Conventional. 1003 Section VII output, financed UFMIP / VA funding fee, monthly PITI.Explore →19 · RESIDENTIALFHA 203(k) Max MortgageHUD-92700 worksheet for Standard and Limited 203(k) renovation. Purchase + Refi LTV factors, full rehab cost stack, $75K Limited cap, UFMIP.Explore →20 · RESIDENTIALFannie Mae HomeStyle RenovationForm 1035 worksheet for Fannie HomeStyle Renovation. Purchase or refi. 1-4 unit primary, second home, or investment. 75% reno cap, +15% HomeStyle Energy stack, manufactured 50% cap, full cash-to-close.Explore →21 · COMMERCIALDSCR Investment PropertyDebt Service Coverage Ratio for rental and investment deals.Explore →22 · COMMERCIALSBA Loan QualifierSBA 7(a) and 504 eligibility, terms, and payment projections.Explore →23 · COMMERCIALFannie Mae MultifamilyAgency multifamily sizing, maturity, and refinance modeling.Explore →
All calculators
23 tools01Mortgage Payment & AmortizationResidentialMonthly payment, full amortization schedule, and interest totals.02Mortgage AffordabilityResidentialHow much home you can comfortably afford based on income and debts.03Down PaymentResidentialTarget down payment, PMI impact, and savings timelines.04Refinance AnalyzerResidentialBreak-even period, monthly savings, and lifetime interest impact.05VA IRRRL / FHA StreamlineResidentialVA IRRRL and FHA streamline savings, closing costs, and break-even.06Debt-to-IncomeResidentialFront-end and back-end DTI versus lender thresholds.07VA LoanResidentialVA entitlement, funding fee, and zero-down qualification.08VA Second-Tier EntitlementResidentialMulti-home VA — partial entitlement, county limit math, second-tier purchase + refi.09VA + Non-Veteran Co-BorrowerResidentialJoint VA loan with a non-veteran. Required down payment + entitlement coverage on the veteran portion.10VA Funding Fee LookupResidentialFunding fee percent and dollar amount by loan type, LTV bracket, and prior-use status.11VA Residual IncomeResidentialRegion + family-size residual income test — the VA-specific underwriting threshold.12Rent vs BuyResidentialCrossover point where buying beats renting in your market.13Extra PaymentResidentialPrincipal-only payments and the years they shave off your loan.14Blended RateResidentialEffective blended rate across first, second, and piggyback loans.15ARM vs Fixed RateResidentialSide-by-side ARM versus fixed rate under rate-change scenarios.16Florida CondoResidentialFlorida-specific condo costs including HOA, insurance, and taxes.17Condo AnalyzerResidentialWarrantability, HOA health, and reserve analysis for condo buys.18One-Time Close C2PResidentialSingle-close construction-to-perm sizing for FHA, VA, and Conventional. 1003 Section VII output, financed UFMIP / VA funding fee, monthly PITI.19FHA 203(k) Max MortgageResidentialHUD-92700 worksheet for Standard and Limited 203(k) renovation. Purchase + Refi LTV factors, full rehab cost stack, $75K Limited cap, UFMIP.20Fannie Mae HomeStyle RenovationResidentialForm 1035 worksheet for Fannie HomeStyle Renovation. Purchase or refi. 1-4 unit primary, second home, or investment. 75% reno cap, +15% HomeStyle Energy stack, manufactured 50% cap, full cash-to-close.21DSCR Investment PropertyCommercialDebt Service Coverage Ratio for rental and investment deals.22SBA Loan QualifierCommercialSBA 7(a) and 504 eligibility, terms, and payment projections.23Fannie Mae MultifamilyCommercialAgency multifamily sizing, maturity, and refinance modeling.
Numbers in. Call made.
Run it. Then let's talk.
Calculators give you a baseline. The real terms come from walking through your scenario with someone who has underwritten a few thousand files.
Prefer to talk first? Call 707-595-5393