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Mortgage Rate Calculators Mortgage Rate CalculatorsHere are some of the best mortgage rate calculators I have been able to find. They are accurate and easy to use. However, please be aware that there are some problems associated with any calculator. The issue is the lack of human thought and analysis. For example, the How much can I afford calculator is based on mortgage ratios of 28/36. With electronic underwriting, I am routinely seeing mortgage ratios of 40/45 on some loan programs, given good credit and some reserves. For an accurate picture of your ability to purchase or refinance a home, please go to my Prequalify page. I will review your credit profile, income, assets, and debt. I will also look beyond the "vanilla" loan programs to find something which will meet your needs and goals. How much do I need to earn to qualify for a given home price? How much of a down payment do I need? How much can I save by consolidating my debt? I have several additional mortgage calculators available.
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