Interactive broker utilities
Mortgage calculations you can inspect before you share.
Compare payments, refinance break-even, state assistance, broker costs, complex income, appraisal gaps, and technology scenarios. Inputs, assumptions, and limitations stay visible in every result.
Scenario comparison
Compare conventional, FHA, VA, and Non-QM DSCR mortgage scenarios side by side with editable rates, down payments, fees, and housing costs.
Open calculator2 · Refinance planningRefinance break-even
Model refinance monthly payment differences, cash-flow break-even, five-year cash flow, and principal balance paths using editable assumptions.
Open calculator3 · Homebuyer assistanceDPA cash to close
Explore representative down-payment-assistance scenarios for Colorado, Florida, Michigan, Texas, Utah, and Missouri.
Open calculator4 · Broker operationsCompensation + costs
Model lender-paid or borrower-paid compensation, actual lender credits, and contract-processing charge allocation without inventing a consumer rate.
Open calculator5 · Income planningIncome analyzer
Stress-test self-employed and Non-QM income scenarios using editable deposit totals, expense factors, liabilities, and proposed housing payment.
Open calculator6 · Purchase planningAppraisal gap
Explain an appraisal shortfall, modeled LTV, cash requirement, and potential conventional mortgage-insurance checkpoint in a shareable summary.
Open calculator7 · Technology planningLOS cost-benefit
Compare editable mortgage technology costs with the modeled value of loan-officer processing time and a contract-processing scenario.
Open calculatorPlan your processing lane
Want help turning a scenario into a processing plan?
Bring the product, lender, state, systems, and scenario-level assumptions. Do not send borrower or loan documents through this website.
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