Tools
Mortgage calculators
Simple enough to answer on your phone in under a minute, honest about the math, and every result has a link you can share. When you want a real answer, Frank will look over your numbers himself.
- AffordabilityHow much home can I afford?Comfortable, stretch and max price levels from your income, debts and down payment.
- PaymentWhat will my monthly payment be?Full payment with taxes, insurance and mortgage insurance for conventional, FHA, VA and USDA.
- Rent vs. BuyShould I keep renting or buy?The year buying pulls ahead, counting equity, appreciation, selling costs and invested savings.
- BuydownHow much does a rate buydown save?2-1, 1-0 and 3-2-1 temporary buydowns vs. permanent points, with seller concession limits.
- RefinanceDoes refinancing make sense?New payment, break-even month, lifetime cost and a VA IRRRL mode with the 36-month test.
- Net ProceedsWhat will I walk away with when I sell?Itemized proceeds after payoff, commission, closing costs and Washington excise tax.
- DSCRDoes this rental qualify for a DSCR loan?The ratio, the max loan at 1.0 and 1.25, and monthly cash flow.
VA calculators
Tools for Veterans and service members
- VA EntitlementHow much can I borrow with $0 down?Full vs. remaining entitlement, the 25% rule and the funding fee.
- VA Residual IncomeDo I pass VA's residual income test?Leftover income vs. VA's West-region guideline for your family size.
- VA AssumptionShould I assume a seller's VA loan?Size the equity gap and compare the blended payment to a new loan.
Have real offers in hand?
Compare Your Options: line up two or three Loan Estimates by rate, points, credits, APR and total cost.
Estimate only. This is not a Loan Estimate and not a commitment to lend. Your actual rate, payment and costs depend on your credit, the property and the loan program. Taxes and insurance are estimates.