Mortgage Calculators
Free professional calculators to help you make informed decisions about your home loan
Equal Housing Lender • Loans originated by Nick Petrosov (NMLS #2015537) through Guild Mortgage Company (NMLS #3274)
Licensed in California. This is not a commitment to lend. All loans subject to underwriting and credit approval.
Choose Your Calculator
Select the calculator that best fits your needs. All tools are free to use and provide detailed, accurate results.
Mortgage Payment Calculator
Calculate your monthly mortgage payment including principal, interest, taxes, insurance, and HOA fees.
Features:
- P&I calculation
- Taxes & insurance
- HOA fees
- PMI/MIP
Rent vs Buy Calculator
Compare the costs of renting versus buying a home over time.
Features:
- 5-year comparison
- Equity analysis
- Total costs
- Recommendation
Refinance Breakeven Calculator
Calculate potential savings from refinancing your current mortgage and find your break-even point.
Features:
- Monthly savings
- Break-even analysis
- Total savings
- Recommendation
Home Affordability Calculator
Determine how much house you can afford based on your income, debts, and down payment.
Features:
- Income analysis
- Debt-to-income ratio
- Qualification status
- Price recommendations
Debt-to-Income Calculator
Calculate your debt-to-income ratio and see if you qualify for a mortgage.
Features:
- Front-end DTI
- Back-end DTI
- Qualification status
- Max payment
Experience State-of-the-Art Mortgage Planning
Leverage our advanced mortgage calculators to gain precise insights and make confident decisions on your path to homeownership.
Unrivaled Precision
Cutting-edge algorithms deliver highly precise calculations based on the industry lending standards.
Personalized & Relevant
Input your specific interest rates and loan terms to get calculations uniquely tailored to your financial situation.
Complete Financial Clarity
Every calculation factors in all costs - principal, interest, taxes, insurance, and PMI - for complete transparency.
Empowering Comparisons
Compare loan programs and terms side-by-side to find the best fit for your financial goals.
Additional Resources
Beyond calculators, we offer comprehensive mortgage guidance and support.
Loan Programs
Detailed information about all available loan types
Pre-Approval
Get pre-approved and strengthen your home buying power
Refinance Options
Explore refinancing opportunities and savings
Ready to Take the Next Step?
Our mortgage experts are here to help you navigate the home buying process.