Free Mortgage Tools & Calculators

Always Free No Sign-Up Required Interactive — No Download Needed Updated Regularly MI · FL · AZ · TX
Mortgage Calculators

Run the numbers before you make a move. All calculators are free and interactive — no download or sign-up required.

🧮 All-in-One Mortgage Calculator Suite — 8 Free Calculators in One Place

Affordability · Purchase · Refinance · Rent vs. Buy · VA Purchase · VA Refinance · DSCR · Fix & Flip

8 tools Interactive No sign-up Most used
Open Calculator Suite →

📈 Loan A vs. Loan B — True Side-by-Side Comparison Calculator

"I've already paid 3 years on my loan — why would I refinance?" This calculator answers that question with real math. Compare your current loan vs. a new proposal with a full month-by-month amortization schedule and instant savings verdict.

Most powerful tool Full amortization table Break-even highlighted Instant verdict
Open Mac Daddy Calculator →
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Affordability Calculator
How much home can you actually afford? Enter your income and debts and see your real price range across all loan types.
Start Here 🏛
VA Mortgage Calculator
Built specifically for veterans and active-duty military — includes VA funding fee, zero-down scenarios, and IRRRL refinance.
For Veterans ⚖
Rent vs. Buy Calculator
Is buying or renting the smarter financial move? Run the full comparison including appreciation, taxes, and opportunity cost.
Interactive ⏳
Refinance Break-Even Calculator
Should you refinance? Find out exactly when your monthly savings offset your closing costs — down to the month.
Interactive 💰
Closing Cost Estimator
See every closing fee itemized by state and loan type. First Commerce Financial charges zero junk fees — see exactly what that saves you.
By State 🏠
DSCR Calculator
Investors — evaluate rental properties by debt service coverage ratio. See if a property cash flows before you buy.
For Investors
Financial Planning Calculators

Interactive calculators to help you understand your full financial picture — debt, income, spending, and buying power — before you apply for a mortgage.

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Purchase Power Calculator
How much home can you actually afford? Enter your income, debts, and down payment to see your real buying power across all loan types instantly.
Interactive 📊
DTI Calculator
Calculate your debt-to-income ratio and see exactly how much home you qualify for by loan type — plus specific tips to improve your ratio.
Interactive 🏠
Net Proceeds Calculator
Selling your home? Find out exactly how much you will actually walk away with after mortgage payoff, commissions, and closing costs.
Interactive 💰
Monthly Budget Builder
Enter your income and all expenses to instantly see how much room you have for a mortgage payment. Know your real budget before you buy.
Interactive 📈
Cost of Debt Calculator
See your weighted average interest rate across all your debts and exactly what each one costs you in interest every year.
Interactive 📈
Debt Reduction Calculator
Compare Avalanche vs. Snowball payoff strategies and see exactly how long until you are debt-free — and how much interest you save.
Interactive 📈
Future Value of Money Calculator
See exactly how your savings grow over time — enter your starting amount, monthly contributions, and interest rate to get a year-by-year growth table instantly.
Interactive 🏠
Average Down Payment Guide
The 20% myth debunked. See exactly what you need by loan type — including 0% down VA and USDA options — in MI, FL, AZ and TX.
2026 Guide 🎯
Down Payment Tracker
Set your savings goal, track monthly contributions, and count down to your home purchase with our free tracker.
Free Tool
Rate Tools

Stay ahead of the mortgage rate market — and be ready to move when rates drop.

📊
Current Mortgage Rates — 2026 Guide
See where rates stand today and what experts are forecasting for the rest of 2026. Updated every Thursday with the latest Freddie Mac data.
Updated Thursdays 🕑
Rate Watch System — Join Free
Kirk or Ken personally monitors rates on your behalf and contacts you the moment refinancing makes financial sense for your specific mortgage. No spam. No obligation.
Free Service
Free Market Data Tools

Real-time data powered by Homebot. Enter your address or zip code and get instant results — plus free monthly updates.

🔍 What Is the Market Like Near You?

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. Free monthly updates.

Search Your Zip Code →

🏠 What Is My Home Worth?

Homeowners — see your home's current estimated value, your available equity, and refinance opportunities. Updated monthly and delivered automatically.

Get Your Free Report →
Free Homebuying Guides

Practical guides written by Kirk and Ken — straight answers based on 60+ combined years of mortgage experience.

First-Time Homebuyer Guide
Everything you need to know from 6 months out to closing day — organized by timeline with no fluff.
Step by Step
How to Get Pre-Approved
What you need, how long it takes, and why pre-approval matters more than pre-qualification in today's market.
Must Read
Cash to Close Explained
Every component of what you need to bring to closing day — with real examples by state and no surprises.
No Surprises
No Closing Cost Refinance
How it works, who it is right for, and when to choose it over a traditional refinance — with real math.
For Homeowners
Mortgage Broker vs. Bank
Which one actually saves you more money? A straight honest comparison with real dollar examples — no spin.
Know the Difference
We Tested Ridley — Our Co-Founder Saved $13,151
Ken Turkington sold his Tempe investment property in 4 days using a flat-fee platform. Here is exactly what happened.
Real Story

Ready 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 in MI, FL, AZ & TX.

Get Your Free Pre-Approval →

Or call or text us directly at (248) 459-5511 · NMLS #137512

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