How long does mortgage pre-qualification take?

The pre-qualification process is very fast. Once you submit your basic information, you can get a response and your letter in minutes, 100% digitally.

Can I get a mortgage with an ITIN instead of an SSN?

Yes. We offer specialized ITIN mortgage programs. We evaluate your employment history and payment capacity to find the best option.

Can self-employed borrowers qualify for a mortgage?

Yes! Self-employed individuals can qualify through Bank Statement programs or using net income from tax returns over the last two years.

What credit score do I need to buy a house?

Generally a minimum of 620 for conventional programs. FHA loans may allow scores from 580. ITIN and Non-QM programs have different requirements.

What states do you serve?

We are licensed in Texas, Florida (MBR6524), Oklahoma (MB016008), and California (60DBO-186180). Investment property loans available in 30+ states.

Calculators

Your numbers, clear before you commit.

A mortgage is the biggest financial decision most people make. These free calculators help you understand your buying power, monthly payment, and qualifying income before you talk to a lender, so you show up prepared and confident.

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families helped

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Licensed in TX & FL

Why use mortgage calculators.

A calculator and financial documents on a desk

Know your budget first

Before you fall in love with a house, know what you can afford. Buying power calculators translate your income and debts into a realistic price range.

Understand your monthly payment

Your mortgage is more than principal and interest. Property taxes, insurance, and mortgage insurance all factor in. See the full picture before you commit.

Document your income correctly

Each income type, W-2, self-employed, K-1, or bank statements, has its own calculation rules. The right calculator shows you what a lender will actually count.

New · Objection Handler

Buy or Wait? — The High Rate Reality Check

High rates push prices down. Waiting burns rent. See the real math behind "rates are high, I’ll wait" — compare the payment, the cost of waiting, and what your rent could actually buy.

Try it now

Payment & budget

Find the right calculator for your question.

One goal, the right tool. Pick the calculator that matches what you want to know.

Monthly Payment

Estimate your monthly payment including principal, interest, taxes, and insurance for any loan program.

Buying Power

See how much home you can afford based on your income, debts, and down payment.

Advanced Calculator

Full PITI breakdown with mortgage insurance, HOA, and every cost that hits your monthly payment.

High-Rate Strategies

High rates? Use seller credits for a 2-1-0 or 1-0 buydown, or buy discount points, instead of a price cut. See the payment difference.

Scenario Comparator

Compare loan options side by side: different prices, down payments, and terms at once.

Qualifying income

W-2 Income

Calculate qualifying income from salary, overtime, and bonuses the way a lender will.

Schedule C Income

Self-employed? Calculate your qualifying income from your business net profit.

K-1 Income

Partnership, LLC, or S-Corp? Calculate qualifying income from your K-1 distributions.

Bank Statement

Qualify with 12 to 24 months of bank deposits instead of tax returns.

Refinance

Refinance Break-Even

See how long it takes to recover your closing costs when you refinance, and whether it pays off.

HELOC vs Cash-Out

Keep your low first mortgage + add a HELOC, or replace everything with a cash-out refinance? See your blended rate.

Investment

DSCR Calculator

Qualify an investment property based on the rent it produces, not your personal income.

Fix & Flip Calculator

Estimate purchase, renovation, and resale costs to see if a deal makes sense.

Bridge Loan Calculator

Plan short-term financing to buy before you sell, or to fund a quick acquisition.

ROI Calculator

Project cash flow, cash-on-cash return, and cap rate for a rental property.

AI assistant

ChatQualify

Not sure which calculator you need? Chat with our AI assistant to explore your situation.

Quick estimate

General mortgage payment calculator.

Start here if you just want a quick estimate. Pick a program, adjust the price, down payment, and rate, and see your monthly payment instantly.

Monthly Payment Calculator

Choose your loan program. Minimum down payment and daily rate adjust automatically.

Loan Program

Using today's live rate

Home Price: $350,000

$50K$2M

Down Payment: 3.5% ($12,250) — min for FHA: 3.5%

3.5%50%

⚠ PMI/MIP will be added (less than 20% down).

Interest Rate: 5.875%

2%12%

Loan Term

Property Tax/mo

Insurance/mo

Estimated Monthly Payment

$2,573

PITI + PMI/MIP

Loan Amount$337,750

Principal & Interest$1,998

Property Tax$300/mo

Home Insurance$120/mo

PMI/MIP$155/mo

Principal & Interest
Property Tax
Insurance
PMI/MIP

All results are estimates only and do not constitute a loan commitment. Consult with a licensed mortgage professional for personalized guidance.

Turn your estimates into a clear next step.

Calculators give you the numbers. A loan officer turns those numbers into a plan. When you’re ready, we’ll review your results and tell you exactly what comes next.

(832) 869-5327

Your next step

Let’s move forward, one step at a time.

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