Free Tools
Free, instant mortgage calculators from a California mortgage broker — estimate your payment, figure out what you can afford, check refinance savings, or run a rental's DSCR. No sign-up, no credit pull.
Estimate the cash a reverse mortgage could provide, based on age, home value, and rate.
Open →Full payoff schedule, principal vs interest, and how extra payments save years.
Open →Estimate lender fees, title, escrow, and prepaids on a purchase or refinance.
Open →See the ratio lenders care about most — front-end and back-end DTI.
Open →FHA payment with 3.5% down, including mortgage insurance (MIP).
Open →VA payment with 0% down and no monthly mortgage insurance.
Open →Your full monthly PITI — principal, interest, taxes, insurance, HOA and PMI.
Open →Work backward from your income and debts to a realistic price range.
Open →Compare payments, see monthly savings, and find your break-even point.
Open →See how much cash you can pull from your home equity and your new payment.
Open →Get the debt-service coverage ratio a lender uses to approve a rental loan.
Open →Find how large a home equity line of credit you can open and the payment.
Open →For investors — does the rent cover the payment? Get your DSCR instantly.
Open →Cash flow, cap rate, cash-on-cash, and DSCR for a rental — all in one.
Open →Net operating income and capitalization rate for any rental property.
Open →Your leveraged cash return: annual cash flow divided by cash invested.
Open →Net profit and ROI on a flip from purchase, rehab, ARV, and costs.
Open →Buy, Rehab, Rent, Refinance — see how much capital you recover.
Open →A calculator is an estimate — a quick quote gives you actual rates and payments from multiple lenders. Free, no obligation.