Mortgage Calculators | Professor Lending
Free Tools · No Login · No Obligation

Mortgage Calculators

Get directional answers about your monthly payment, buydowns, refinancing, and whether waiting to buy actually pays off—everything you need to earn your own PhD in mortgage, minus the dissertation. No forms, no credit pull, no sales pitch.

Click a tab above to switch calculators—everything updates instantly, no page reload.
This is just an estimate. We can give you a real, personalized quote without a hard credit pull—no impact to your credit score, no obligation.
Start My Full Application → Get a Quick Quote

Loan Details

Edit either field—they stay in sync.

Taxes & Insurance

Auto-fills a typical statewide property tax rate—it doesn’t account for county or city taxes, which can push the real number higher or lower. Confirm the actual rate with the tax assessor, your realtor, or a licensed loan originator.
Leave Mortgage Insurance at 0 if putting 20%+ down (conventional loans only—FHA always requires it).
—
This is a rough, industry-average estimate—actual mortgage insurance depends on your lender, loan program, and full credit profile. Ask me for your real number.

Estimated Monthly Payment

$0
per month
Amount
Estimates only; actual payment will vary based on your credit profile, final loan terms, escrow requirements, and local tax rates. Not financial advice.
Curious if a buydown makes sense for you? Let’s run the numbers on your actual loan—no obligation.
Start My Full Application → Get a Quick Quote

Loan Details

Note Rate Payment (Year 4+)
$0
Total Buydown Funds Needed
$0

Payment by Year

YearEffective RateMonthly PaymentBuyer Savings vs. Note Rate
Buydown funds are typically paid by the seller, builder, or lender as a credit at closing. Estimates only; actual figures depend on final loan terms. Not financial advice.
Not sure if refinancing makes sense right now? Let’s run your actual numbers—no obligation, no hard credit pull.
Start My Full Application → Get a Quick Quote

Current Loan

New Loan

Results

Monthly Payment Change
$0
Breakeven Point
—
Lifetime Interest Difference
$0
Current LoanNew Loan

Thinking about waiting instead?

See what waiting for a better rate actually costs you—and how long it takes to catch up.

Savings Given Up by Waiting
$0
Extra Monthly Savings, If You Wait
$0
Total Time Before Waiting Wins
—
Want the full breakdown, with video and real examples? See our complete refinance guide →
Breakeven compares upfront closing costs against monthly savings only. Estimates only, based on fully amortizing fixed-rate loans. Not financial advice.
📊

Renting vs. buying is a bigger question than one tab can answer.

Our full rent-vs-buy tool uses the same 48-year FHFA home price index our loan officers use in client consultations—with conservative, moderate, and historical scenarios, plus a real 10-year comparison. It’s also where the video walkthrough on this topic lives.

See the Full Rent vs. Buy Tool →
🏡

Still sitting on a great rate? See what moving would actually cost.

Compare your current payment against a real move—using today’s rates and the equity you’ve already built. Takes about 10 seconds, no obligation.

See the Full Stay vs. Move Tool →
🏘️

Running the numbers on a rental? This one’s built for that.

Cash flow, cap rate, DSCR qualification, and rent-vs-return—modeled for an actual investment purchase, not a primary residence. A different set of questions than the calculators above.

See the Full Investment Analyzer →

Scroll to Top