🧮 Free Mortgage Calculators

Every Number You Need.
All in One Place.

Plan your purchase, estimate your payment, check your affordability, or analyze an investment — all with free tools built by a 25-year mortgage professional.

💳 Payment🏠 Affordability🔄 Refinance📊 DSCR🏛️ FHA🎖️ VA🏰 Jumbo✅ DTI🏡 Rent vs Buy⏱️ Payoff📈 PMI💰 Equity🏘️ Appreciation
💳Mortgage PaymentMonthly P&I 🏠AffordabilityHow much can I afford? 🔄Refinance SavingsBreak-even & savings 📊DSCR RatioInvestor loan qualifier 🏛️FHA LoanPayment with MIP 🎖️VA LoanPayment with funding fee 🏰Jumbo LoanHigh-value property ✅DTI CalculatorWill I qualify? 🏡Rent vs. BuyWhich is smarter? ⏱️Early PayoffExtra payment savings 📈PMI RemovalWhen do I hit 20%? 💰Home EquityHow much can I access? 🏘️AppreciationFuture home value
Calculator 1 of 13

💳 Mortgage Payment Calculator

Estimate your monthly principal and interest payment based on purchase price, down payment, rate, and term.

Home Price$400K
$50K$2M
Down Payment10%
0%40%
Interest Rate6.75%
3%12%
Loan Term30 yrs
10 yrs30 yrs
Monthly P&I Payment$2,335Principal & interest only. Add taxes, insurance & HOA for full payment.
Loan Amount$360,000
Down Payment$40,000
Total Interest$480,709
Total Cost$840,709

Want the lowest rate on this loan?

I'll shop 180+ lenders — free📅 Get My Best Rate
Calculator 2 of 13

🏠 How Much Home Can I Afford?

Find your maximum purchase price based on your income, debts, and down payment savings.

Annual Income$90K
$20K$500K
Monthly Debts$500
$0$5K
Down Payment Saved$30K
$0$300K
Interest Rate6.75%
3%12%
Max Home Price$412,000Based on 43% DTI. Actual approval depends on credit and lender guidelines.
Max Monthly Payment$2,725
Loan Amount$382,000
Down Payment$30,000

Get your real pre-approval number

Free — no hard pull at this stage📅 Get Pre-Approved Free
Calculator 3 of 13

🔄 Refinance Savings Calculator

See your monthly savings, break-even point, and total interest saved by refinancing to a lower rate.

Current Balance$350K
$50K$1.5M
Current Rate7.5%
3%12%
New Rate6.5%
3%12%
Remaining Term25 yrs
5 yrs30 yrs
Closing Costs$6K
$1K$20K
Monthly Savings$216Estimated monthly payment reduction after refinancing.
Current Payment$2,571
New Payment$2,355
Break-Even28 months
5-Year Savings$12,960
Lifetime Savings$64,800

Ready to lock in your savings?

I'll find your lowest rate across 180+ lenders📅 Get My Best Refi Rate
Calculator 4 of 13

📊 DSCR Ratio Calculator

Does your rental property qualify for a DSCR loan? Enter your numbers and see instantly.

Purchase Price$350K
$50K$2M
Down Payment25%
20%40%
Interest Rate7.5%
5%13%
Monthly Gross Rent$2,500
$500$10K
Taxes + Insurance$400
$100$2K
DSCR Ratio1.24✅ Qualifies — rental income covers PITIA.
Monthly Rent$2,500
P&I Payment$1,621
Total PITIA$2,021
Loan Amount$262,500

Run a full DSCR analysis

I'll find your best program across 180+ lenders📅 Run My DSCR Analysis
Calculator 5 of 13

🏛️ FHA Loan Calculator

Calculate your FHA payment including upfront MIP (1.75%) and annual MIP — the true cost of an FHA loan.

Home Price$300K
$50K$800K
Down Payment3.5%
3.5%20%
Interest Rate6.5%
3%12%
Total Monthly Payment$2,089P&I + financed upfront MIP + annual MIP. Taxes & insurance additional.
Base Loan$289,500
Upfront MIP (1.75%)$5,066
Total Loan w/ MIP$294,566
P&I Payment$1,861
Monthly MIP$228

Ready to apply for an FHA loan?

Wholesale rates — no junk fees📅 Get My FHA Rate
Calculator 6 of 13

🎖️ VA Loan Calculator

Calculate your VA loan payment including the VA funding fee. See your PMI savings vs. a conventional loan.

Home Price$400K
$50K$1.5M
Interest Rate6.25%
3%12%
First Use?First Use
First (2.3%)Subsequent (3.6%)
Monthly VA Payment$2,5830% down. Funding fee financed. No PMI ever.
Loan Amount$400,000
VA Funding Fee$9,200
Total Loan w/ Fee$409,200
Monthly PMI Saved$200/mo
10-Year PMI Savings$24,000

Use your VA benefit — you earned it

As a fellow veteran, I specialize in VA loans🎖️ Get My VA Rate
Calculator 7 of 13

🏰 Jumbo Loan Calculator

Estimate payments on high-value properties above the $832,750 conforming loan limit.

Home Price$1.2M
$833K$5M
Down Payment20%
10%40%
Interest Rate7.0%
4%12%
Loan Term30 yrs
10 yrs30 yrs
Monthly P&I Payment$6,394Taxes, insurance & HOA are additional.
Loan Amount$960,000
Down Payment$240,000
Total Interest$1,341,968
Loan TypeJumbo

Shop jumbo rates across 180+ lenders

Wholesale pricing for high-value properties📅 Get My Jumbo Rate
Calculator 8 of 13

✅ Debt-to-Income (DTI) Calculator

Will you qualify for a mortgage? Enter your income and debts to see your front-end and back-end DTI ratios.

Gross Monthly Income$7,500
$1K$50K
Proposed Mortgage Pmt$2,000
$200$20K
Monthly Debt Payments$500
$0$10K
Back-End DTI33.3%✅ Strong — well within conventional guidelines.
Front-End DTI26.7%
Back-End DTI33.3%
Conventional Max45–50%
FHA Max57%
VA MaxFlexible

Get your real approval assessment

I'll tell you exactly which programs you qualify for📅 Check My Qualification
Calculator 9 of 13

🏡 Rent vs. Buy Calculator

Is it smarter to rent or buy right now? Compare total costs and see when buying breaks even.

Home Price$400K
$100K$2M
Down Payment10%
3%40%
Mortgage Rate6.75%
3%12%
Monthly Rent$2,200
$500$10K
Annual Appreciation3.5%
0%10%
Break-Even Point4 yrsAfter this point, buying is cheaper than renting over time.
Monthly Mortgage$2,335
Monthly Rent$2,200
Home Value in 10 Yrs$565,000
Equity in 10 Yrs$221,000
Rent Paid in 10 Yrs$264,000

Ready to stop renting?

Let's find out what you actually qualify for📅 Get Pre-Approved Free
Calculator 10 of 13

⏱️ Early Payoff Calculator

See how much interest you save and how many years you cut off your mortgage by making extra monthly payments.

Loan Balance$350K
$50K$1.5M
Interest Rate6.75%
3%12%
Remaining Term30 yrs
5 yrs30 yrs
Extra Monthly Payment$300
$0$5K
Interest Saved$87,432Total interest savings from extra monthly payments.
Regular Payment$2,270
New Total Payment$2,570
Original Payoff30.0 yrs
New Payoff23.4 yrs
Years Saved6.6 years

Want to refinance to a shorter term?

Sometimes a lower rate saves more than extra payments📅 Compare My Options
Calculator 11 of 13

📈 PMI Removal Calculator

When will you hit 20% equity and be able to remove PMI? Find out how much you're overpaying and when it stops.

Home Purchase Price$350K
$100K$1.5M
Down Payment5%
3%19%
Interest Rate6.75%
3%12%
Annual Appreciation3%
0%10%
PMI Removed In6.2 yrsEstimated time to reach 20% equity via payments + appreciation.
Monthly PMI Cost$149
Total PMI Paid$11,082
Savings After Removal$149/mo freed up

Already at 20% equity? Remove PMI now

I can help — or help you refinance to eliminate it📅 Talk to Peter
Calculator 12 of 13

💰 Home Equity Access Calculator

How much equity can you access from your home? See your maximum borrowing power based on current LTV.

Home Value$500K
$100K$3M
Mortgage Balance$250K
$0$2M
Max LTV80%
60%90%
Max Accessible Equity$150,000Based on selected LTV. Actual amounts depend on credit and lender.
Total Equity$250,000
Max Loan at LTV$400,000
Current Balance$250,000
Equity You Must Keep$100,000

Want to know your best equity option?

Cash-out refi, HELOC, or home equity loan — I'll compare all three📅 Explore My Options
Calculator 13 of 13

🏘️ Home Appreciation Calculator

What will your home be worth in 5, 10, or 20 years? See your projected wealth building through real estate.

Current Home Value$400K
$100K$3M
Annual Appreciation3.5%
0%10%
Mortgage Balance$350K
$0$2M
Value in 10 Years$565,000Projected value based on consistent annual appreciation.
Value in 5 Years$474,000
Value in 10 Years$565,000
Value in 20 Years$795,000
Gain in 10 Years$165,000
Equity in 10 Years$215,000

Ready to start building this wealth?

Let's find the right loan to get you into a home📅 Get Started Today

Numbers Are Just the Start.
Let's Make Them Real.

Every calculator is a starting point. For real numbers on your specific situation, I'll do the full analysis — free, no obligation.

📅 Schedule a Free Call 📞 844-786-1865 📧 [email protected]
📅 Get My Free Analysis

All calculators are for educational and estimation purposes only. Results do not constitute a loan approval or guarantee of rates. Actual terms vary based on credit, income, property type, lender, and market conditions. Optimized Home Loans powered by Barrett Financial Group, L.L.C. | NMLS #181106 | Equal Housing Lender. Peter Seroter NMLS #997692.

Thank you for choosing us. We are dedicated to helping you achieve your homeownership goals with personalized service and expert guidance. For more information or assistance, feel free to reach out to us anytime!

quick info

2701 East Insight Way, Suite 150
Chandler, AZ 85286

844-786-1865

© Copyright Optimized Home Loans 2025. All rights reserved

Peter Robert Seroter | NMLS #997692 |Optimized Home Loans powered by Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | AZ 0904774 | CA 60DBO-46052 & 41DBO-148702 Licensed by Dept. of Financial Protection & Innovation under the California Residential Mortgage Lending Act. Loans made or arranged pursuant to a California Financing Law License | FL MLD1880 | IN 181106 | TX view complaint policy at barrettfinancial.com/texas-complaint | VA MC-7357 & MC-7357 | WA MB-181106 | WY 4211 | Equal Housing Opportunity | Equal Housing Lender | This is not a commitment to lend. All loans are subject to credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106

Privacy Policy I Terms & Conditions