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 →For investors — does the rent cover the payment? Get your DSCR instantly.
Open →A calculator is an estimate — a quick quote gives you actual rates and payments from multiple lenders. Free, no obligation.