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Mortgage Calculator
See your full monthly payment with taxes, insurance, HOA and mortgage insurance for Conventional, FHA, VA and USDA loans, plus extra-payment savings and an amortization schedule.
Open Mortgage Calculator
Free mortgage planning tools
Tools for a smarter move.
Start with the number lenders look at closely. Use the Debt-to-Income Calculator to estimate how your monthly income and debt payments may affect your mortgage options.
No signup required. Results are estimates and are intended for educational planning only.
Your mortgage tool library
Start with the number that can change the plan.
Three free tools built on 2026 loan rules and this week's national rate averages. No signup required, and every result updates as you type.
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Debt-to-Income Calculator
Estimate your front-end and back-end DTI, compare it to Conventional, FHA, VA, USDA and jumbo guidelines, and see the most you can put toward housing.
Open DTI Calculator
Updated weekly
Today's Mortgage Rates
This week's national averages from Freddie Mac and the MBA for 30-year, 15-year, FHA, jumbo and ARM loans, with what each rate means for your monthly payment.
See Today's Rates
Use your DTI result
Turn one number into a real plan.
Calculate
Enter your gross monthly income, proposed housing payment, and recurring monthly debt payments.
Understand
See how housing costs and other obligations combine to create your front-end and back-end DTI ratios.
Review
Talk with Pat about the complete picture before changing debts, making an offer, or choosing a loan strategy.
The calculator gives you a number. The conversation gives you context.
Let’s review your income, debts, cash, goals, and comfort level so you can understand which mortgage strategy actually fits your life.