Free Mortgage & Homebuying Tools
Everything you need to make smarter home financing decisions — free, no sign-up required for most tools. From calculators to market data to worksheets, it is all here.
Mortgage Calculators
Run the numbers before you make a move. All calculators are free and instant — no sign-up required.
Affordability Calculator
How much home can you actually afford? Enter your income and debts and see your real price range across Conventional, FHA, VA, USDA, and Jumbo.
Start Here 🧮Purchase Calculator
Estimate your full monthly payment — principal, interest, taxes, insurance, PMI, and HOA — on any home price.
Most Used 🔄Refinance Calculator
Compare your current loan to a new one side by side — including your break-even point on closing costs.
For Homeowners ⚖️Rent vs. Buy Calculator
Is buying or renting the smarter financial move? Run the full comparison including appreciation, taxes, and opportunity cost.
Interactive 🎖️VA Mortgage Calculator
Built specifically for veterans and active-duty military — includes VA funding fee calculation and zero-down scenarios.
For Veterans 🏢DSCR Calculator
Investors — evaluate rental properties by debt service coverage ratio. See if a property cash flows before you buy.
For Investors 🔨Fix & Flip Calculator
Running the numbers on a renovation project? See your net profit, ROI, and loan costs before you make an offer.
For Investors 📊Detailed Rent vs. Buy Analysis
Our expanded rent vs. buy calculator with full state-by-state breakdown, appreciation modeling, and time horizon analysis.
Deep Dive 💰Closing Cost Estimator
See every fee itemized by state and loan type. First Commerce Financial charges zero junk fees — see exactly what that saves you.
By State ⏱️Refinance Break-Even Calculator
Should you refinance? Find out exactly when your monthly savings offset your closing costs — to the month.
Interactive 📈DTI Calculator
Calculate your debt-to-income ratio and see exactly how much home you qualify for — by loan type — plus tips to improve it.
Interactive 💳Debt Reduction Calculator
Build your debt payoff plan and see how eliminating debt increases your mortgage qualification.
Free Tool 📊Current Mortgage Rates
See where rates stand today and what experts are forecasting for 2026. Updated regularly.
2026 Guide 📈Future Value Calculator
See how your savings compound over time. Includes free Excel worksheet.
Free Worksheet 🏦Net Proceeds Calculator
Selling your home? Find out exactly what you will walk away with after all costs.
For SellersFree Market Data Tools
Real-time data powered by Homebot. Enter your address or zip code and get instant results — plus free monthly updates delivered to your inbox.
Housing Market Report by Zip Code
Search any zip code and instantly see median home prices, days on market, inventory levels, and whether it is a buyer's or seller's market. Get free monthly updates for any zip code you are tracking.
Search Your Zip Code → 🏡Free Monthly Home Value Report
Homeowners — see your home's current estimated value, your available equity, and refinance opportunities. Updated monthly and delivered automatically to your inbox.
Get Your Home Value →Free Worksheets & Trackers
Downloadable Excel and PDF tools to help you plan, track, and make smarter financial decisions on the path to homeownership.
Down Payment Tracker
Set your savings goal, track monthly contributions, and countdown to your home purchase.
↓ Free PDF Download 💵Monthly Spending Worksheet
Know exactly where your money goes each month — and how much you have left for housing.
↓ Free Excel Download ⚖️Weighted Cost of Debt Worksheet
Calculate your true weighted cost of debt and find the most efficient payoff sequence.
↓ Free Excel Download 📈Future Value of Money Worksheet
See how your savings compound over time at different interest rates and contribution levels.
↓ Free Excel DownloadFree Homebuying Guides
Practical guides written by Kirk and Ken — straight answers based on 60+ combined years of mortgage experience.
First-Time Homebuyer Checklist
Everything you need to do from 6 months out to closing day — organized by timeline.
Step by Step ✅How to Get Pre-Approved
What you need, how long it takes, and why pre-approval matters more than pre-qualification.
Must Read 💰Cash to Close Explained
Every component of what you need to bring to closing day — with real examples by state.
No Surprises 🏦Average Down Payment Guide
The 20% myth debunked — what you actually need to buy a home in 2026.
2026 Guide 📉Mortgage Rate Buydown Guide
How 2-1 and 3-2-1 buydowns work and when they make sense — with real math.
Save Money 🔄No Closing Cost Refinance
How it works, who it is right for, and when to choose it over a traditional refinance.
For HomeownersReady to Take the Next Step?
Use the tools above to run your numbers — then talk directly with Kirk or Ken when you are ready to move forward. Wholesale rates, zero junk fees, same-day pre-approvals. No pressure, no obligation.
Get Your Free Pre-ApprovalOr call us directly at (248) 459-5511 · Licensed in MI, FL, AZ & TX · NMLS #137512
