Eight programs, and the one honest sentence about who each is actually for.
Compare all programsOne credit pull. NMLS #XXXXXXX. Sample figures throughout.
Buying
Three calculators that show their working, plus the lock desk in plain English.
Open the calculator hubOne credit pull. NMLS #XXXXXXX. Sample figures throughout.
Calculators
A broker, not a bank. Here is exactly how the file moves and what it costs.
See how it worksOne credit pull. NMLS #XXXXXXX. Sample figures throughout.
The work
Tools
Not a lead-capture form disguised as a tool. Nothing here asks for your email, and every figure is explained rather than produced.
Tool 01Closing costs against the monthly saving, with the fresh 30-year loan and a term-preserving option side by side, and the lifetime interest change on both.
Tool 02Form 1084 style add-backs from Schedule C: depreciation, business use of home and the non-deductible meals subtraction, then two-year averaging with the declining-income rule applied.
Tool 03Full principal, interest, taxes, insurance, HOA and mortgage insurance, plus the scheduled month the balance reaches 80% and 78% of the original value.
How to read a result
Credit score band, loan-to-value, occupancy, property type and cash-out status each move your rate. A calculator assumes a rate; the price sheet decides it.
Debt-to-income, reserves, employment history and the automated underwriting finding sit outside every calculator on the internet, including these three.
Virginia property tax varies by locality and by assessment. Insurance depends on the roof, the claims history and the deductible. Both are estimates until quoted.
Every break-even figure is an answer to a question only you can supply. Most people do not hold a thirty-year mortgage for thirty years.
Twenty-five minutes, your real numbers, and a written comparison of at least three wholesale quotes on the same day's pricing.
Three wholesale quotes on the same day's pricing, before you choose.
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