August 27, 2026
New — mortgage calculator. A free calculator that shows what a home would really cost each month — not just the loan payment, but property taxes, home insurance, and mortgage insurance too. A few things set it apart from the typical calculator:
- Today's real rates, built in. Instead of a made-up starting rate, it opens with the national average from loans actually locked with lenders the previous business day. Already have a quoted rate? Type it in and the calculator uses yours.
- Real program rules. Switch between Conventional, FHA, VA, and USDA and the numbers follow each program's actual rules — minimum down payment, upfront fees, and mortgage insurance — each starting from its own average rate.
- See the payoff. A chart and a year-by-year table show the loan being paid down, and exactly how much time and interest extra monthly payments save.
- Share your numbers. Copy a link and anyone who opens it sees the same exact scenario.
Every number is clearly labeled an estimate for planning — real quotes still come from the team. → Mortgage calculator
New — a Tools menu on every page. The menu at the top of the site now has a Tools section, so the calculator is one click away from anywhere. More tools will join it. → Homepage