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The Mortgage Planning Center
Plan the numbers long before anyone asks you to sign.
22 tools arranged the way a purchase actually unfolds, from the first honest look at your budget to the equity you hold years later. Every one explains when to use it, what people get wrong, and the single thing worth doing next.
Stage 01
Before you shop
Start with what is possible rather than what is listed. These four settle the price range, the cash and the timeline.
- Home Affordability CalculatorIt works backward from your income and debts to a price range a lender would actually approve.Affordability
- Debt-to-Income CalculatorIt measures the share of your monthly income already spoken for, which is the number underwriting cares about most.Affordability
- Down Payment PlannerIt turns your savings habit into a date on the calendar.Affordability
- Rent vs Buy CalculatorIt compares the true cost of renting against owning over the years you actually plan to stay.Comparison
Stage 02
Choosing a loan
Same house, different structures, meaningfully different outcomes. These compare the choices on cost rather than reputation.
- Mortgage Payment CalculatorIt shows what actually leaves your bank account every month, not just the loan portion of it.Payment
- FHA vs Conventional CalculatorIt compares the two most common loan types on the numbers rather than reputation.Comparison
- ARM vs Fixed CalculatorIt compares a fixed payment against an adjustable one, including what happens when the adjustable one adjusts.Comparison
- Rate Buy-Down CalculatorIt tells you whether paying money up front to lower your rate pays for itself.Costs
- APR vs Interest Rate CalculatorIt separates the rate you are quoted from the cost of getting it.Comparison
- PMI CalculatorIt shows what mortgage insurance costs each month and when it can come off.Costs
- Physician Loan CalculatorIt models a physician loan against conventional financing, including the effect of deferred student debt.Specialty
Stage 03
Building a home
A build has two budgets: the one the builder quotes and the one you actually pay. These reconcile them.
- Construction Budget PlannerIt assembles every line of a build, from lot to contingency, into one honest total.Specialty
- Construction Loan CalculatorIt models the financing across both halves of a build: draws during construction and the permanent loan after.Specialty
- Builder Upgrade Budget CalculatorIt puts a monthly price tag on every design center decision before you make it.Specialty
Stage 04
Getting to closing
The last thirty days are about cash, not rate. These tell you exactly what settlement will require.
- Cash to Close CalculatorIt answers the only question that matters on closing day: how big is the wire.Costs
- Closing Cost EstimatorIt breaks the lump sum labeled closing costs into the individual charges behind it.Costs
- Seller Credit CalculatorIt shows what a seller credit is worth to you and what it costs in purchase price.Costs
Stage 05
After you own
Ownership is a series of smaller decisions: prepay, refinance, borrow against equity, buy the next one.
- Extra Payment CalculatorIt shows what one additional payment a year, or a little extra each month, does to your payoff date.Payment
- Refinance CalculatorIt tells you how long it takes for a new loan's savings to pay back what the refinance costs.Comparison
- Home Equity CalculatorIt shows how much of your home you truly own, and how much of that a lender would let you use.Investment
- HELOC CalculatorIt prices a line of credit against your home, including what happens when the draw period ends.Specialty
- Investment Property CalculatorIt runs a rental through the numbers that decide whether it works: cash flow, cash-on-cash return and the reserves behind it.Investment
Want the numbers checked against your real file?
Tools get you oriented. A conversation gets you a strategy, and a pre-approval sellers take seriously.