Whether you're buying a home or thinking about refinancing, see your real monthly payment and full financial picture in seconds. No login, no email required.
Smart moves that change the math, layer them however you'd actually use the savings.
Set a savings goal and I'll back‑solve the rate needed. When the market hits it, you'll get a personal call.
Print a clean copy for your records, or use your browser's "Save as PDF" option in the print dialog. No email, no list, no follow-up unless you want one.
| Period | Current loan | New loan (base) | New loan (optimized) | Equity gainedvs current | ||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Principal | Interest | Balance | Principal | Interest | Balance | Principal | Interest | Balance | ||
Sliders are great for orientation. The real refi or purchase decision involves four things this page can only approximate.
Rate depends on credit, property type, occupancy, and loan size. We won't quote a real rate until I see your file.
Title fees, escrow, recording, lender fees, and prepaids vary by county and program. Real LE comes within 3 days of applying.
How long you'll keep the loan affects whether points, ARMs, or aggressive payoff make sense. We'll talk through your plan.
Mortgage interest is often deductible, but the math varies. I'll loop in your CPA for the structure conversation.
When rates drop to your target, I'll reach out personally with your updated numbers. No spam, no list, no follow‑up if it doesn't make sense for you.