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Mortgage Calculators

Mortgage Calculators free for your use. Here are the best mortgage calculators available. I do have other additional mortgage calculators available. These mortgage calculators are accurate and easy to use. However, be aware that there are some problems associated with any available mortgage calculators. The issue with mortgage calculators is the lack of human thought and analysis. For example, the how much can I afford mortgage calculator is based on mortgage ratios of 28/36. With electronic mortgage underwriting, I routinely see mortgage ratios of 40/45 on some mortgage programs, given good credit and some reserves. For an accurate picture of your ability to purchase or refinance a home, please go to my Mortgage Prequalify page and complete at least the basics of the mortgage application form. I will review your credit profile, income, assets, and debt. I will also look beyond the "vanilla" mortgage programs to find a mortgage product which will meet your needs and goals. Please email with any feedback on how the mortgage calculator worked for you

How much can I afford to buy mortgage calculators?

How much do I need to earn to qualify for a given home price mortgage calculators?

How much are my mortgage payments?

How much of a down payment do I need mortgage calculators?

How much can I save by consolidating my debt mortgage calculators?

I have purchased new financial modeling software that can do sophisticated analysis of your situation today as well as make suggestions on how small changes in how your debt is structured today can have a life changing effect in the years to come. Modules available include the Total Cost Analysis to compare the cost of up to 4 loans over the length of time you plan to be in the home; an Equity Repositioning Analysis to see how small changes in your debt structure today can have a huge impact in years to come; a Consolidation Analysis to see how consolidating debt can change your financial future; a PMI Analysis to see if eliminating PMI will be effective for you; and a Rate Watch Report which all my past clients are enrolled in to insure they remain in the loan that is best for them in their current situation. If any of these free analysis are of interest to you, please email me with as much specifics of your situation as possible

Learn more about mortgage closing costs.

Many of my clients are converting from fully amortizing payments to a stated income interest only approach with a significantly lower monthly payment. I have some extensive information available. Read more to see if this powerful tool could work for you.

* I have included a section on the new Cash Flow Arm. A LIBOR or MTA based product which gives you complete flexibility in managing your payment.

I have a page on calculating your qualification ratios.

Learn more about investing

As a Certified Mortgage Planning Specialist, I offer an analysis of your situation today can make suggestions on how small changes in how your debt is structured today can have a life changing effect in the years to come.  Read more about this free, no obligation service.

Mortgage Calculators  

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Extensive consumer information on construction,remodeling, first time homebuyer,and no documentation mortgages.