Mortgage Calculators
Free tools to estimate your monthly payment, see how much home you can afford, compare loan options, and plan how to pay off your mortgage sooner.
Buying a Home
Mortgage Payment Calculator
Estimate your full monthly house payment: principal, interest, property taxes, insurance, HOA dues and mortgage insurance.
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Home Affordability Calculator
Find out how much home you may be able to afford based on your income, monthly debts, down payment, and current interest rates.
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Income Needed Calculator
Enter a home price and see the income needed to qualify, including taxes, insurance, HOA dues, your other debts and the debt-to-income ratio you choose.
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Cash to Close Calculator
Estimate cash to close on a California home: down payment, lender, title and escrow fees, transfer tax, Mello-Roos, HOA, prepaid interest and reserves.
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Rent vs. Buy Calculator
Compare the full cost of renting with buying a home, including taxes, insurance, maintenance, tax savings, and the equity you build over time.
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FHA vs. Conventional Calculator
Compare FHA and conventional loans side by side: payment, mortgage insurance by credit score and down payment, and total cost over time.
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Purchase Loan Scenario Builder
This tool allows you to compare estimates using three different purchase prices and whether your income is sufficient to qualify for the loan.
Open calculator →Rates and Refinancing
Refinance Calculator
Compare your current mortgage with a new loan: monthly savings, time to earn back closing costs, and the change in total interest.
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Refinance Scenario Builder
Compare up to three refinance scenarios side by side, including your new loan amount, monthly payment, loan fees, cash out, and debt-to-income ratio.
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Cash-Out Refinance vs. HELOC Calculator
Compare a cash-out refinance with keeping your mortgage and adding a HELOC: monthly payment, blended rate, and total interest over time.
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Fixed vs. Adjustable Rate Calculator
Compare a fixed-rate mortgage with an adjustable-rate mortgage (ARM) based on how long you plan to stay in your home.
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Discount Points Calculator
Find out what discount points would cost, how much they would lower your monthly payment, and how long it would take to break even.
Open calculator →Paying Off Your Mortgage
Extra Payment Calculator
See how adding extra money to your mortgage each month, once a year, or as a one-time payment could cut your interest and shorten your loan.
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Bi-Weekly Payment Calculator
See how paying half of your mortgage payment every two weeks could save you interest and help you pay off your home years sooner.
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Mortgage Loan Amortization Table
See how your mortgage balance falls over time, how much of each payment is principal and interest, and how extra payments shorten your loan.
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For Agents
Seller Credit vs. Price Reduction Calculator
See how a $10,000 seller credit used for a rate buydown compares with a $10,000 price reduction: monthly payment, cash to close, and benefit over time.
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Buydown Calculator
See how a temporary rate buydown lowers your payment during the first years of your loan, and what it costs up front.
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Seller Net Proceeds Calculator
Estimate a California seller's net proceeds after the mortgage payoff, agent commissions, escrow and title fees, transfer tax, credits and repairs.
Open calculator →Want a personalized quote? Call (310) 614-5920 to talk to one of our loan officers.
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