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Estimate your monthly mortgage payment

Loan Details

Home Price

$

Down Payment

$

%

Loan Term

Interest Rate

%

Connect with your Loan Officer for the most accurate rates

Additional Costs

Annual Property Tax

$

Annual Home Insurance

$

Monthly HOA Fees

$

Credit & PMI

Credit Score

PMI is auto-calculated when down payment is less than 20%

Extra Payments

Extra Monthly Principal Payment

$

See how extra payments reduce your loan payoff time

$2,291

Estimated Monthly Payment

Principal & Interest$1,816.07
Property Tax$350.00
Home Insurance$125.00

Payoff Comparison

--

Original Payoff

--

With Extra Payments

Year	Principal	Interest	Balance
Year 1	$2,984	$18,809	$277,016
Year 2	$3,192	$18,601	$273,824
Year 3	$3,414	$18,379	$270,410
Year 4	$3,652	$18,141	$266,758
Year 5	$3,906	$17,887	$262,852
Year 6	$4,178	$17,615	$258,674
Year 7	$4,469	$17,324	$254,205
Year 8	$4,780	$17,013	$249,425
Year 9	$5,113	$16,680	$244,312
Year 10	$5,469	$16,324	$238,843
Year 11	$5,850	$15,943	$232,993
Year 12	$6,257	$15,536	$226,736
Year 13	$6,693	$15,100	$220,043
Year 14	$7,159	$14,634	$212,884
Year 15	$7,657	$14,136	$205,227
Year 16	$8,190	$13,603	$197,037
Year 17	$8,761	$13,032	$188,276
Year 18	$9,371	$12,422	$178,906
Year 19	$10,023	$11,770	$168,882
Year 20	$10,721	$11,072	$158,161
Year 21	$11,467	$10,325	$146,694
Year 22	$12,266	$9,527	$134,428
Year 23	$13,120	$8,673	$121,308
Year 24	$14,033	$7,759	$107,275
Year 25	$15,011	$6,782	$92,264
Year 26	$16,056	$5,737	$76,208
Year 27	$17,174	$4,619	$59,035
Year 28	$18,369	$3,423	$40,665
Year 29	$19,648	$2,144	$21,017
Year 30	$21,017	$776	$0

FHA Loan Details

Home Price

$

Down Payment

$

%

Loan Term

Interest Rate

%

Connect with your Loan Officer for the most accurate rates

Additional Costs

Annual Property Tax

$

Annual Home Insurance

$

Monthly HOA Fees

$

$2,802

Estimated Monthly Payment

Principal & Interest$2,172.17
Monthly MIP$154.80
Property Tax$350.00
Home Insurance$125.00
Upfront MIP (rolled in)$5,910.63

Year	Principal	Interest	Balance
Year 1	$3,841	$22,225	$339,819
Year 2	$4,098	$21,968	$335,721
Year 3	$4,373	$21,693	$331,348
Year 4	$4,666	$21,400	$326,682
Year 5	$4,978	$21,088	$321,704
Year 6	$5,312	$20,754	$316,392
Year 7	$5,667	$20,399	$310,725
Year 8	$6,047	$20,019	$304,678
Year 9	$6,452	$19,614	$298,226
Year 10	$6,884	$19,182	$291,342
Year 11	$7,345	$18,721	$283,997
Year 12	$7,837	$18,229	$276,160
Year 13	$8,362	$17,704	$267,798
Year 14	$8,922	$17,144	$258,877
Year 15	$9,519	$16,547	$249,357
Year 16	$10,157	$15,909	$239,200
Year 17	$10,837	$15,229	$228,363
Year 18	$11,563	$14,503	$216,800
Year 19	$12,337	$13,729	$204,463
Year 20	$13,163	$12,903	$191,300
Year 21	$14,045	$12,021	$177,255
Year 22	$14,986	$11,080	$162,269
Year 23	$15,989	$10,077	$146,280
Year 24	$17,060	$9,006	$129,219
Year 25	$18,203	$7,863	$111,017
Year 26	$19,422	$6,644	$91,595
Year 27	$20,722	$5,344	$70,872
Year 28	$22,110	$3,956	$48,762
Year 29	$23,591	$2,475	$25,171
Year 30	$25,171	$895	$0

VA Loan Details

Home Price

$

Down Payment

$

%

Loan Term

Interest Rate

%

Connect with your Loan Officer for the most accurate rates

First Time Use?

Disabled Veteran?

Disabled veterans are exempt from the VA funding fee

Additional Costs

Annual Property Tax

$

Annual Home Insurance

$

Monthly HOA Fees

$

$2,676

Estimated Monthly Payment

Principal & Interest$2,201.34
Property Tax$350.00
Home Insurance$125.00
VA Funding Fee (2.15%, rolled in)$7,525.00

Year	Principal	Interest	Balance
Year 1	$4,189	$22,227	$353,336
Year 2	$4,459	$21,957	$348,877
Year 3	$4,746	$21,670	$344,131
Year 4	$5,051	$21,365	$339,080
Year 5	$5,376	$21,040	$333,704
Year 6	$5,722	$20,694	$327,982
Year 7	$6,090	$20,326	$321,893
Year 8	$6,481	$19,935	$315,411
Year 9	$6,898	$19,518	$308,513
Year 10	$7,342	$19,074	$301,171
Year 11	$7,814	$18,602	$293,357
Year 12	$8,317	$18,099	$285,040
Year 13	$8,852	$17,564	$276,188
Year 14	$9,421	$16,995	$266,767
Year 15	$10,027	$16,389	$256,739
Year 16	$10,672	$15,744	$246,067
Year 17	$11,359	$15,057	$234,709
Year 18	$12,089	$14,327	$222,619
Year 19	$12,867	$13,549	$209,753
Year 20	$13,694	$12,722	$196,058
Year 21	$14,575	$11,841	$181,483
Year 22	$15,513	$10,903	$165,970
Year 23	$16,511	$9,905	$149,459
Year 24	$17,573	$8,843	$131,887
Year 25	$18,703	$7,713	$113,184
Year 26	$19,906	$6,510	$93,278
Year 27	$21,186	$5,230	$72,092
Year 28	$22,549	$3,867	$49,543
Year 29	$23,999	$2,417	$25,543
Year 30	$25,543	$873	$0

Current Loan

Current Loan Amount

$

Current Interest Rate

%

Current Term (months)

Origination Year

New Loan

New Loan Amount

$

New Interest Rate

%

Connect with your Loan Officer for the most accurate rates

New Loan Term (months)

Refinance Fees

$

$295/month

Refinancing could save you

New Monthly Payment$1,662

Current Monthly Payment$1,958

Refinance Fees$4,000

Lifetime Savings$92,331

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Your Finances

Annual Income

$

Monthly Debts

$

Estimated Annual Property Taxes

$

Estimated Annual Home Insurance

$

Down Payment

$

Interest Rate

%

Connect with your Loan Officer for the most accurate rates

Loan Term

$336,515

You can afford up to

Max Monthly Housing$2,333

Principal & Interest$1,858

Tax$350

Insurance$125

DSCR Loan Details

Property Purchase Price

$

Down Payment

$

%

Interest Rate

%

Connect with your Loan Officer for the most accurate rates

Loan Term

Rental Income

Monthly Rental Income

$

Desired DSCR Ratio

Your lender's minimum required DSCR

Additional Costs

Annual Property Tax

$

Annual Insurance

$

Monthly HOA

$

1.06

Debt Service Coverage Ratio

Below 1.25 target

Monthly P&I Payment$2,097.64

Total Monthly Expenses$2,647.64

Gross Monthly Rent$2,800.00

Net Operating Income (monthly)$2,800.00

*DSCR loans are for investment properties. A DSCR of 1.25 or higher is typically required to qualify.

Year	Principal	Interest	Balance
Year 1	$2,766	$22,406	$297,234
Year 2	$2,980	$22,192	$294,254
Year 3	$3,212	$21,960	$291,043
Year 4	$3,461	$21,711	$287,582
Year 5	$3,730	$21,442	$283,852
Year 6	$4,019	$21,153	$279,833
Year 7	$4,331	$20,841	$275,502
Year 8	$4,667	$20,504	$270,835
Year 9	$5,030	$20,142	$265,805
Year 10	$5,420	$19,752	$260,385
Year 11	$5,841	$19,331	$254,544
Year 12	$6,294	$18,877	$248,250
Year 13	$6,783	$18,389	$241,467
Year 14	$7,310	$17,862	$234,157
Year 15	$7,877	$17,295	$226,280
Year 16	$8,489	$16,683	$217,791
Year 17	$9,148	$16,024	$208,644
Year 18	$9,858	$15,314	$198,786
Year 19	$10,623	$14,549	$188,163
Year 20	$11,448	$13,724	$176,715
Year 21	$12,336	$12,835	$164,379
Year 22	$13,294	$11,878	$151,085
Year 23	$14,326	$10,846	$136,759
Year 24	$15,438	$9,733	$121,320
Year 25	$16,637	$8,535	$104,684
Year 26	$17,928	$7,243	$86,755
Year 27	$19,320	$5,851	$67,435
Year 28	$20,820	$4,352	$46,615
Year 29	$22,436	$2,735	$24,178
Year 30	$24,178	$993	$0

2-1 Buydown Loan Details

Home Price

$

Down Payment

$

%

Interest Rate (Note Rate)

%

Connect with your Loan Officer for the most accurate rates

Loan Term

Additional Costs

Annual Property Tax

$

Annual Insurance

$

Monthly HOA

$

Payment Schedule

Year 1

$1,978

5.00% rate

Year 2

$2,154

6.00% rate

Years 3-30

$2,338

7.00% rate

Buydown Cost

$6,526

This is typically paid by the seller or builder

Principal & Interest$1,862.85

Property Tax$350.00

Home Insurance$125.00

HOA Fees$0.00

*A 2-1 buydown temporarily reduces your interest rate by 2% in Year 1 and 1% in Year 2. The loan amortizes at the full note rate. Payments shown include P&I, tax, insurance, and HOA.

Year	Principal	Interest	Balance
Year 1	$2,844	$19,510	$277,156
Year 2	$3,050	$19,304	$274,106
Year 3	$3,270	$19,084	$270,835
Year 4	$3,507	$18,847	$267,329
Year 5	$3,760	$18,594	$263,568
Year 6	$4,032	$18,322	$259,536
Year 7	$4,324	$18,031	$255,213
Year 8	$4,636	$17,718	$250,577
Year 9	$4,971	$17,383	$245,605
Year 10	$5,331	$17,024	$240,275
Year 11	$5,716	$16,638	$234,559
Year 12	$6,129	$16,225	$228,429
Year 13	$6,572	$15,782	$221,857
Year 14	$7,047	$15,307	$214,810
Year 15	$7,557	$14,797	$207,253
Year 16	$8,103	$14,251	$199,150
Year 17	$8,689	$13,665	$190,461
Year 18	$9,317	$13,037	$181,144
Year 19	$9,991	$12,364	$171,153
Year 20	$10,713	$11,641	$160,440
Year 21	$11,487	$10,867	$148,953
Year 22	$12,318	$10,036	$136,635
Year 23	$13,208	$9,146	$123,427
Year 24	$14,163	$8,191	$109,264
Year 25	$15,187	$7,167	$94,077
Year 26	$16,285	$6,070	$77,793
Year 27	$17,462	$4,892	$60,331
Year 28	$18,724	$3,630	$41,607
Year 29	$20,078	$2,276	$21,529
Year 30	$21,529	$825	$0

Not Financial or Legal Advice:
The information on this website does not constitute financial, legal, or tax advice. All mortgage decisions should be made after consulting with a qualified financial advisor, attorney, or tax professional.

Permission to Contact:
By submitting your information through this website, you agree to be contacted by Xpert Home Lending, Inc. via email, phone, or text message, as outlined in our Privacy Policy.

General Notice:
All loan programs, interest rates, and terms listed on this website are subject to change without notice and require lender approval. Past performance does not guarantee future results. Please review all loan options and associated risks carefully before proceeding.

Mortgage Calculator

Not Financial or Legal Advice: The information on this website does not constitute financial, legal, or tax advice. All mortgage decisions should be made after consulting with a qualified financial advisor, attorney, or tax professional.

Permission to Contact: By submitting your information through this website, you agree to be contacted by Xpert Home Lending, Inc. via email, phone, or text message, as outlined in our Privacy Policy.

General Notice: All loan programs, interest rates, and terms listed on this website are subject to change without notice and require lender approval. Past performance does not guarantee future results. Please review all loan options and associated risks carefully before proceeding.

Not Financial or Legal Advice:
The information on this website does not constitute financial, legal, or tax advice. All mortgage decisions should be made after consulting with a qualified financial advisor, attorney, or tax professional.

Permission to Contact:
By submitting your information through this website, you agree to be contacted by Xpert Home Lending, Inc. via email, phone, or text message, as outlined in our Privacy Policy.

General Notice:
All loan programs, interest rates, and terms listed on this website are subject to change without notice and require lender approval. Past performance does not guarantee future results. Please review all loan options and associated risks carefully before proceeding.