Mortgage calculators
Payment, affordability, refinance break-even, points and DSCR rental calculators. Enter the rate you've been quoted; Kristen can price your real scenario across lenders.
Estimated monthly payment
—
Estimated price range up to
—
Break-even
—
Break-even
—
DSCR
—
Estimate only, using the rate you enter. Not a rate quote, loan offer or commitment to lend. Actual rate, APR and payment depend on credit, loan program, property, loan amount and market conditions.
Common questions
How do I estimate how much house I can afford?
Lenders compare your total monthly debts, including the new housing payment, to your gross monthly income. That debt-to-income ratio limit varies by program, commonly 43% to 50% with automated approval. The affordability calculator works backward from the ratio you choose.
How do I know if a refinance is worth it?
Divide closing costs by the monthly savings to get the break-even in months. If you'll keep the loan longer than that, the refinance usually pays off.
What is DSCR?
Debt service coverage ratio: monthly rent divided by the full monthly payment (principal, interest, taxes, insurance and HOA). Many DSCR lenders look for 1.0 or higher.