Home financing, handled personally.

Monthly payment calculator

Estimate your full monthly payment — principal, interest, taxes, insurance, HOA dues, and, when the down payment is under 20%, estimated PMI — plus an estimated APR from any points and fees you enter, then watch the balance fall in the amortization schedule below. All figures are estimates for illustration only.

Estimates only — for illustration only, not a quote or commitment to lend. Figures are estimates and illustrations based on the numbers you enter, not a Loan Estimate. Rates shown are sample inputs, not advertised offers or rate quotes. The estimated APR is an estimate based on the costs entered — points, closing costs, and lender fees — and, when PMI applies, estimated PMI only until the balance reaches 78% of the home's value; the actual APR will vary based on the final loan terms and itemized charges. PMI is estimated and typically drops off once the balance reaches 78–80% of the home's value. Actual rates, payments, taxes, and insurance costs are subject to credit and property approval and may change without notice. Kevin Mathew, NMLS ID 833825.

Compare loan offers

A lower rate isn't always the cheaper loan. Enter the rate, points, and fees from each offer to see the monthly payment, the estimated APR, the cash it takes to close, and what each loan really costs over 5 years, 10 years, and the full term. All figures are estimates for illustration only.

*Cash to close here covers the loan itself — points, closing costs, and lender fees. It excludes your down payment, prepaid taxes and insurance, and per-diem interest. “Total cost” adds those upfront costs to every payment made — including estimated PMI for the months it applies — plus the balance still owed if the loan were paid off at that point — so the figures compare fairly even across different terms.

Estimates only — for illustration only, not a quote or commitment to lend. Figures are estimates and illustrations based on the numbers you enter, not a Loan Estimate. Rates shown are sample inputs, not advertised offers or rate quotes. The estimated APR is an estimate based on the costs entered — the points, closing costs, and lender fees for each scenario — and, when PMI applies, estimated PMI only until the balance reaches 78% of the home's original value; the actual APR will vary based on the final loan terms and itemized charges. PMI is estimated and typically drops off once the balance reaches 78–80% of the home's value. Actual rates, payments, APR, and costs are subject to credit and property approval and may change without notice. Kevin Mathew, NMLS ID 833825.