Free mortgage tools
Your rate. Your numbers. Your call.
Eight free tools that run in your browser. Plug in the rate from your own quote, and see what it really means for your payment, your cash to close, and your break-even.
Loan Estimate decoder
Walk all three pages, section by section, with red flags.
Open →Mortgage payment calculator
P&I plus Texas property tax, insurance, MI, and HOA.
Open →Affordability calculator
A price range from your income, debts, and quoted rate.
Open →Closing cost estimator
Add up Sections A–H and see estimated cash to close.
Open →Discount points break-even
How long until buying down the rate pays off.
Open →Refinance break-even
Months until a refinance pays for itself.
Open →Rent vs. buy
Compare total cost of renting and owning over time.
Open →DSCR calculator
Debt service coverage ratio for rental properties.
Open →Common questions
Why don't your calculators show rates?
Advertised rates change daily and depend on your credit, loan type, and property. So the calculators only use the rate you type in, from your own quote or Loan Estimate.
Are these calculators accurate?
They use standard mortgage math, but they're estimates for illustration only. Your actual numbers come from your Loan Estimate and final loan terms.
Is my information saved?
No. Everything runs in your browser and nothing you type is sent or stored.
Free Loan Estimate review
Got a Loan Estimate? Send it to me.
Send me your Loan Estimate and I'll look it over myself. I'll tell you straight what looks off, what looks fine, and whether I can do better. If your offer is solid, I'll say so.
Before you send it: cover your Social Security number and loan number. Texas and Tennessee loans. John Stafford NMLS #2470539 | GoRascalJohn powered by GoRascal Inc. NMLS #2072896.