Tools
Housing decision tools
This is the short list for the MBS product: budget, payment, lock timing, refinance math, seller structure, and buy-versus-rent pressure.
Start here
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If a tool does not help you decide whether to buy, lock, refinance, sell, or wait, it should not be your first stop here.
Mortgage Payment
Calculate your monthly payment with taxes, insurance, and PMI.
How Much Can I Afford?
See the home price and monthly payment your income and debts can realistically support.
Buy vs. Rent
Compare the true cost of buying vs renting over time.
Lock or Wait?
See whether locking now or waiting looks safer based on current market conditions.
Seller Strategy
Compare a price cut, closing-cost help, or a rate buydown side by side.
Should I Refinance?
See your break-even point and whether refinancing is worth it for your timeline.
Market signals
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Are Rates Fair Today?
Compare mortgage rates with Treasury yields to see whether pricing still looks expensive.
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Buyer or Seller Market?
See whether conditions currently favor buyers or sellers.
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Cost of Waiting on Rates
Quantify how much waiting could add to your monthly payment and total cost.
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More tools
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Follow-on scenario tools for product selection, equity tradeoffs, amortization, and rental underwriting.
Compare Loan Types
Compare VA, FHA, and conventional loans side by side.
Extra Payments
See how extra payments can save you thousands in interest.
Tax vs. Mortgage Strategy
Find out if your tax write-offs are costing you more than they save.
Equity Deployment
Discover if your "great rate" is actually holding you back.
Rental Property
Analyze cash flow, cap rate, and ROI for investment properties.