Already own a home?
See whether a refinance pays off, how much equity you have, when mortgage insurance can come off, and what extra payments would save.
Calculators
Seller net proceeds
See what a seller may take home after the sale, and the price needed to reach a target.
Open calculator →Refinance break-even
See how long a refinance takes to pay for itself, and what it does to total interest.
Open calculator →Extra payments
See how much sooner a loan is paid off, and how much interest you save, by paying a little extra each month.
Open calculator →Points and rate comparison
Paying points can lower your rate but adds cost up front. See how many months it takes for the lower payment to make up that cost.
Open calculator →Home equity and mortgage insurance
See your equity, your loan-to-value ratio, and how far you are from 80% of your home's value. An equity calculation, not a mortgage insurance decision.
Open calculator →Amortization schedule
See every payment split into principal and interest, with the balance after each one.
Open calculator →Total cost of a loan
Add up principal, interest, points and closing costs to see what a loan costs in total.
Open calculator →Loan comparison
Compare two loans side by side: monthly payment, total interest, and when the lower-rate loan starts to save money.
Open calculator →Loan guides
Conventional loans
A standard mortgage that is not insured or guaranteed by a government agency, including conforming and high-balance loans.
Read the guide →Reverse mortgages (HECM)
A federally insured loan that lets homeowners age 62 and older borrow against home equity, with required counseling first.
Read the guide →Investment property and DSCR loans
Loans for rental property, including DSCR loans that look at the rent the property brings in.
Read the guide →Jumbo loans
A mortgage larger than the conforming loan limit for the county.
Read the guide →Frequently asked questions
When does refinancing make sense?
When what you save each month pays back the cost of refinancing before you expect to sell or refinance again. That point is called the break-even. Lowering your rate, changing your term, removing mortgage insurance or taking cash out are common reasons. Find your refinance break-even →
How can I remove mortgage insurance (PMI)?
On most conventional loans you can ask your servicer to cancel PMI once your balance is scheduled to reach 80% of the original value, and it generally ends automatically at 78%. FHA loans follow different rules. The guide explains the conditions. Read how PMI comes off →
Can I take cash out of my home?
Yes, through a cash-out refinance, a home equity loan or a home equity line of credit (HELOC). How much depends on your equity, credit and income, and each option has its own costs. See your home equity →
Should I pay extra on my mortgage?
Extra payments go to principal, which can cut the interest you pay and the time left on the loan. Check that your loan has no prepayment penalty, and weigh it against savings and other debts. See what extra payments save →
What is a reverse mortgage?
A loan for homeowners age 62 and older that turns part of the home equity into money without a monthly mortgage payment. You still pay taxes, insurance and upkeep, and you must first meet with a HUD-approved housing counselor. Read the reverse mortgage guide →
Will checking my options hurt my credit?
No. Asking questions and running the calculators never checks your credit. Your credit is pulled only with your permission, when you decide to apply.
Talk with a loan officer
Free and no obligation. Sending your numbers doesn't check your credit. You'll get a reply from a licensed loan officer, not a call center.
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