Mortgage calculators
Work through the numbers with visible inputs, transparent formulas, and direct source references.
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Payment & Amortization
Model monthly housing costs, compare rates, and see how extra principal changes the payoff schedule.
Open calculatorDTI & LTV
Calculate housing expense, qualifying ratios, and leverage across first liens, subordinate liens, and HELOCs.
Open calculatorVA IRRRL
Compare P&I and interest rates, model fee recoupment, and screen standard seasoning inputs.
Open calculatorFHA Streamline
Model FHA payment and combined rate changes and screen standard seasoning at case assignment.
Open calculatorCash-Out Refinance
Calculate estimated proceeds, appraisal-based LTV and elapsed ownership and lien seasoning.
Open calculatorVariable Income
Weight current and prior earnings by actual months and compare the current pace with documented history.
Open calculatorRental Income
Work from permitted lease income or adjusted Schedule E figures and see the net property contribution.
Open calculatorSelf-Employment Income
Build a multi-period cash flow worksheet using reviewed adjustments and ownership percentages.
Open calculatorFannie Mae RSU Income
Translate documented vested distributions into a monthly worksheet using the Fannie Mae calculation period.
Open calculatorFreddie Mac RSU Income
Model time-based or performance-based restricted stock income using the applicable distribution period.
Open calculatorRSU Agency Comparison
Compare Fannie Mae and Freddie Mac using the distribution period and documented values applicable to each.
Open calculatorConventional & FHA Refinance Benefit
Check RefiNow and Refi Possible borrower benefit, or compare standard conventional and FHA refinance payments and closing-cost break-even.
Open calculatorVA IRRRL Maximum Loan & Cash Back
Calculate the VA Form 26-8923 maximum loan amount and check a proposed settlement for incidental refunds or excess loan proceeds.
Open calculatorFHA Residual Income
Calculate residual income for FHA manual underwriting and compare it with the VA table FHA uses for this compensating factor.
Open calculatorVA Standard Refinance: NTB & Seasoning
Screen VA cash-out refinance benefits, Type I or Type II seasoning, loan-to-value, and the extra VA-to-VA Type I tests.
Open calculatorOther Qualifying Income
Convert documented support, benefits, retirement, interest, dividends, and other recurring receipts to a monthly amount and review the evidence required.
Open calculatorNontaxable Income & Gross-Up
Separate taxable and tax-exempt income and calculate the gross-up allowed by the selected agency.
Open calculatorBusiness Liquidity Ratios
Compare current and quick ratios before and after a proposed business withdrawal. See how Fannie Mae uses the ratios in a cash-flow review.
Open calculatorTax Return Income Analysis
Walk through Form 1040, Schedules B, C, D, E and F, and entity returns. Compare adjusted cash flow across tax years before selecting an income basis.
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