Seven of them
Run the numbers before anybody asks for your email
Each one is its own page, keeps its state in the address bar so a result can be sent to somebody, and refuses to quote a rate — because a website cannot know one.
- 01
What is the actual payment?
Principal and interest, property tax, homeowners insurance, association dues and mortgage insurance — itemised, with a composition ring and the escrow split shown separately.
Open itRead more - 02
Where does every payment go?
A full schedule, switchable month-wise and year-wise, with a running total, a balance curve and the principal-versus-interest split for every period.
Open itRead more - 03
What can I afford?
Income and existing debts against two ratios. It names which of the two is binding, which is the part most calculators leave out.
Open itRead more - 04
When does a refinance pay back?
The month the savings clear the costs, plotted as a cumulative curve, plus what restarting the term does to total interest.
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What does paying extra buy?
A recurring overpayment, a one-off, or both, against interest saved and months removed from the term.
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Rent or buy?
Both positions over a holding period, with the renter investing the difference, and every assumption exposed as an input rather than buried.
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Does the rent carry it?
An owner-occupied 2–4 unit with rental income discounted the way an underwriter discounts it, and the self-sufficiency check that decides some files.
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How to read any of them
Four things worth knowing before you type a number in
- The rate is yours, not mine. Every calculator takes a rate you enter. Nothing on this site displays a rate as available, because a rate depends on your credit, the loan size, the property type, the occupancy, the term, the points and the day.
- Property tax is the sleeper. Rhode Island rates vary sharply town to town. Two houses at the same price can differ by a couple of hundred dollars a month on tax alone, which is why it is an input everywhere rather than a hidden constant.
- Mortgage insurance ends; it does not vanish. The calculators stop charging it once the balance reaches 78% of the original value, which mirrors the automatic termination rule. Getting it off earlier is usually a request, not an accident.
- The URL is the result. Everything you type is written into the address of the page, so sending somebody the link sends them your exact scenario. Nothing is uploaded to make that work.
Reach me directly
A number surprised you
That is usually the most useful reason to call. Twenty-five minutes, no documents.
- Fastest(401) 555-0128Call or text. It rings on one phone.
- Writtennadia@botelho-mortgage.exampleReplies weekdays, usually within a couple of hours.
That validated cleanly.
On a real site this would now be in an inbox with a timestamp on it. Here it went nowhere — nothing was transmitted and nothing was written down.