Mortgage Calculators That Do More Than Guess
Whether you’re buying your first home or comparing loan options, our calculators go beyond simple math. We use real mortgage rates, real rules, and real logic — no lender bias, no pressure. Just accurate insights designed to empower your next big move.
Built to Give You the Full Picture
Most mortgage calculators oversimplify things. Ours don’t. We factor in real-time rates from the Optimal Blue Mortgage Market Index (OBMMI), calculate PMI, MIP, taxes, insurance, and even funding or guarantee fees — depending on the loan type. You get realistic numbers you can actually trust.
Easy to Use
Intuitive design and user-friendly features make navigating your finances simple.
Comprehensive Results
Get detailed breakdowns and actionable insights tailored to your unique needs.
Backed by Expert Insights
Developed with professional knowledge to empower your financial decisions.
Tailored for You
Tools that adapt to your goals—whether buying, refinancing, or planning ahead.
Accuracy, Not Approximation
We’re not here to collect leads or sell your data. We’re here to empower you with clear answers. Every calculator uses OBMMI rates, realistic inputs, and formulas based on real underwriting logic — not rough estimates or oversimplified math.
You’ll see actual PMI duration, how refinance savings stack over time, or what an FHA upfront MIP means for your payment.
Explore Our Mortgage Calculators
Each tool is built to answer a specific question on your homebuying journey. Tap to open and explore — no fluff, no signups.
Conventional Mortgage
Estimate monthly payments with taxes, insurance, and PMI using OBMMI rates.
FHA Mortgage
Calculate payments including MIP and upfront fees on FHA-backed loans.
VA Mortgage
Find your monthly payment and funding fee costs on VA mortgages.
USDA Mortgage
Explore monthly payments with guarantee fees and annual USDA fees included.
Refinance Loan
Compare your current loan to new 15- and 30-year terms with real savings insights.
How Much Can I Afford?
Use income and debts to calculate your ideal home price using DTI ratios.
Loan Amortization
Break down your loan by month with extra payments, payoff dates, and exportable schedules.
PMI Estimator
See your PMI rate, how long you’ll pay it, and total cost until it drops off.
Bridge Loan
Estimate how much bridge financing you can borrow from your current home to fund your next down payment.
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Want Personalized Loan Insights?
Our calculators give you the ‘what.’ But if you’re ready for the ‘which one is right for me’ — that’s where Loan Compass comes in.
