Honest tools from someone who has been in the mortgage business since 2007 — built to show you what most sites quietly hide.
Paste a listing link or your address — see the value, your real equity, and what you could actually do with it.
Enter your address and watch your equity appear: your estimated value, your mortgage paid down over time, and every honest option — tap equity, buy a rental, move up, or leave that low rate right where it is. No loan pitch, ever, because I don't originate.
See my equity → Updated WeeklyThe weekly 30-yr fixed rate tracker that translates every move into your actual monthly payment. Bookmark it — this is your 60-second rate check without the sales pitch.
Check today's rate → BuyersDrop a Zillow, Redfin, or Realtor.com link — or any address — and get the honest monthly payment: principal, interest, taxes, insurance, and the PMI most calculators quietly leave out.
Price a home → Move upYour golden-handcuff calculator. See the cash your sale frees up, your new payment at today's rates, and whether the move truly makes sense — before you fall for a listing.
Run my move →The 60-second occupancy "does this make sense?" check an underwriter runs on your file — before you apply. Find your red flags and exactly how to fix them. He drove a Ferrari but got denied for a $90,000 house; here's why.
Run the check → NewPick a home price and loan type and see the real income to qualify — using the actual DU/LPA and FHA DTI limits, plus the residual-income truth other calculators hide.
Open calculator → New2,000+ programs can cover your down payment — here's how it really works, what's actually free vs. paid for in the rate, and how to find yours. The honest guide.
Read the guide → Most popularYour real monthly payment for FHA, Conventional, or VA — including the mortgage insurance most calculators leave out, and exactly when PMI drops off.
Open calculator → NewSee the payment your credit really qualifies for, then check it against what the finance office is closing you at — reveals hidden "leg" financed into the loan.
Open calculator → New3% vs 5% vs 10% vs 20%, side by side. See what each down payment does to your payment, your PMI, and the cash you need — so you can stop guessing.
Open calculator →How long until you can actually buy? Compare a regular savings account, a high-yield account, and Bitcoin — with a straight-talk look at the risk of each.
Open calculator →A fair fight: the renter gets to invest the down payment too. See your break-even year and the true net cost of renting versus owning.
Open calculator → NewSee what your score is costing you per month, the insider moves to gain points fast before you apply, and a live credit simulator that proves it in dollars.
Open the credit playbook →The quick gut-check: based on your income, debts, and down payment, what home price could a lender actually approve — and what's the monthly behind it?
Open calculator →Send it to me and I'll decode it line by line — fees, what's negotiable, the borrower-paid vs lender-paid question. Start with the free Playbook.
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