21 years of rate and payment knowledge, one calculator
Run the numbers on your home loan before you call. This calculator shows your estimated monthly payment based on today's rates and your loan amount.
The rate you see isn't the rate you get
Most lenders quote one rate and hope you don't ask questions. We'll walk you through the actual numbers for each loan type, so there are no surprises at the closing table.
Conventional
Fixed or adjustable rates with as little as 3% down. The standard path, explained with real numbers before you commit.
FHA & VA
Lower down payments and flexible credit rules. We'll show you which one actually saves you more over the life of the loan.
USDA
For qualified buyers in eligible areas, zero down is on the table. We'll tell you if your target home qualifies.
Jumbo
Above conforming limits, rates move differently. We'll lay out the true cost so you can compare with confidence.
Non-QM
Self-employed, bank statements, or 1099 income. If your money is real, we can usually put it to work with a qualified loan.
Reverse
For homeowners 62 and older, tap into equity without a monthly payment. We'll explain the real terms, not the hype.
Get a personal estimate from a 21-year veteran
The calculator gives you a starting point. A conversation with us gets you a real number based on your income and the loan that fits.