National average rates
Conventional · Freddie Mac PMMS · FHA & VA manually quoted
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Payment Calculator

Run the numbers, before you commit.

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.

Talk through your numbers See loan programs

Refinance

Drag the sliders. Everything to the right updates live.
Current loan
$520,000
7.250%
28 yrs 0 mo
yrs
mo
$650/mo
New loan
6.000%
30 yrs
$6,500
Apply your savings

Smart moves that change the math, layer them however you'd actually use the savings.

Apply skipped payments at closing
When you refi, you typically skip 1, 2 mortgage payments. Apply that cash to principal.
$
Keep paying your current payment
Your old payment, applied to the new loan. Savings go straight to principal each month.
Extra monthly principal
An additional fixed amount above your payment, every month.
$
Shorter loan term
Force a shorter payoff (e.g. 20 or 15 yrs). Monthly goes up; lifetime interest plummets.
yrs
Rate watch

Target your monthly savings.

Set a savings goal and I'll back‑solve the rate needed. When the market hits it, you'll get a personal call.

$
Rate needed to hit it
5.625%
Save this scenario

Take these numbers with you.

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.

Estimates only. Principal and interest plus escrow as entered, no PMI, HOA, or extra fees. Real numbers depend on credit, property type, and program. Use this as a starting point, not a quote.
Monthly savings
$427 / mo
Lower monthly payment compared to your current loan, before applying any of your savings.
New payoff date
23 yrs 4 mo
Lifetime interest saved
$184,200
Return on closing costs
28× in savings
Current
New (base)
With your togglesOPTIMIZED
Monthly P&I
$3,547
$3,120
$3,547
Rate
7.250%
6.000%
6.000%
Term
28 yrs
30 yrs
23 yr 4 mo
Loan balance
$520,000
$526,500
$518,100
Lifetime interest
$671,000
$599,600
$486,800
Time to break even
14 mo
<1 mo
Balance over the next 30 years
How fast you actually pay the loan down under each scenario.
Current New (base) Optimized
Sliders show the math. I'll show you the structure. Let's run actual rate quotes against your file.
Book a call
Amortization, side by side
See exactly how much principal each scenario knocks down, year over year.
Period Current loan New loan (base) New loan (optimized) Equity gainedvs current
PrincipalInterestBalance PrincipalInterestBalance PrincipalInterestBalance
Current New (base) Optimized
Equity gain = Current balance − Optimized balance at end of period.
A calculator is a starting point

What numbers can't tell you.

Sliders are great for orientation. The real refi or purchase decision involves four things this page can only approximate.

i.

Your actual rate

Rate depends on credit, property type, occupancy, and loan size. We won't quote a real rate until I see your file.

ii.

Closing cost specifics

Title fees, escrow, recording, lender fees, and prepaids vary by county and program. Real LE comes within 3 days of applying.

iii.

Holding period

How long you'll keep the loan affects whether points, ARMs, or aggressive payoff make sense. We'll talk through your plan.

iv.

Tax implications

Mortgage interest is often deductible, but the math varies. I'll loop in your CPA for the structure conversation.