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.
- Compare Your OptionsWhich loan offer costs less?Line up two or three Loan Estimates by rate, points, credits, APR and total cost over the time you expect to keep the loan.
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.
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.