Mortgage Calculators

Future Home Value Calculator

Home values don’t typically go straight up. Like other commodities, values can rise and fall. Yet over time, real estate has traditionally risen an average of approximately 5% per year. As a result, your home’s future value may grow more than you think possible, and the equity accumulated can end up representing the majority of your total future net worth. Use the calculator to estimate what your home may be worth someday.

Principal & Interest Calculator

Use this simple calculator to see exactly what the principal and interest portion of a total monthly housing payment would be for any loan amount, term, and interest rate combination. Just remember that a typical monthly payment also includes taxes; hazard insurance; mortgage insurance when your down payment is less than 20% of the purchase price; and, if applicable, a condo/co-op or homeowners association fee. When you’re considering the cost of homeownership, it’s wise to account for utilities and maintenance, too.

Monthly House Payment Calculator

A lot of people shop for homes based on price. When you finance your purchase with a mortgage loan, it pays to consider total monthly housing payment, too. If a relatively inexpensive home has high taxes, insurance costs or fees, it might require a higher monthly payment than a home with a higher initial price and lower monthly costs. Use this calculator to estimate the total monthly housing payment for any home you’re considering and determine if it’s truly affordable for you.

Mortgage Free Calculator

Owning your home “free and clear” may be easier to achieve than you believe. Use this calculator to see how much extra you would need to add to your regular payment so you can pay off your mortgage loan early. As you’ll see, a relatively small extra investment can make a big difference over time. Just remember that the monetary value of an early pay-off equates to what you save in interest. Since mortgage interest can often be tax deductible, there may be better ways to use your cash to build wealth. Always check with your financial advisor before making these types of decisions.


Lowering the interest rate on your mortgage loan, even by a small percentage, can often equate to big savings on your monthly payment and over the life of your loan. And the benefits don’t stop there. With a lower rate, you may also choose to shorten your loan term, reduce your loan balance more quickly, or access cash with no increase to your payment. Use the calculator to see how much you may be able to save.

Pre-Qualification Calculator

Determining how much you can realistically afford to borrow before you start looking at homes to purchase will help you avoid falling in love with a home that falls just out of reach financially. Use the calculator below to get a good idea of a price range that works. At the same time, make sure the total monthly payment looks comfortable for you too. Tax and insurance costs will vary from place to place, so be sure to adjust those appropriately. Reach out if you’d like help.

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