Call: (619) 815-7100

Free QHM planning tools

Work through the numbers without leaving the website.

Pick the question you have today. The tools make the assumptions visible, keep every number in your browser, and give us something specific to discuss when you are ready.

Choose the question you want to answer

You do not need to know a mortgage name. Start with the part of the decision that feels unclear.

Illustrative couple arriving at a modest Northern Nevada home Mortgage Payment CalculatorWhat might the monthly payment include?Estimate principal, interest, taxes, insurance, HOA dues, and mortgage insurance.Payment Calculator → Illustrative moving boxes and house keys in a starter home Cash-to-Close PlannerHow much money might I need upfront?Plan the down payment and the other costs that can happen before and just after closing.Cash-to-Close Planner → Illustrative prospective buyers touring a modest home Rent vs. Buy CalculatorHow does renting compare with buying?Compare the same time period and see which assumptions change the result.Rent vs. Buy → Illustrative homeowner reviewing long-term household finances Refinance Break-Even CalculatorHow long could a refinance take to pay for itself?Compare the estimated payment change with the cost of replacing the loan.Refi Break-Even → Illustrative small multifamily rental property in Northern Nevada DSCR CalculatorDoes the rent cover the modeled property payment?Estimate a basic DSCR and test a lower-rent planning scenario.DSCR Calculator → Illustrative person reviewing financial records in a home office Asset-Depletion CalculatorCould eligible assets support the income review?Make an asset-depletion formula visible before relying on it.Asset Calculator → Illustrative buyer reviewing monthly budget and debts DTI CalculatorDoes my income support this payment and my other debts?See a front-end and back-end debt-to-income estimate, explained in plain English.DTI Calculator →

Independent market context

A market index is context, not your rate

The Optimal Blue Mortgage Market Indices below show broad transaction-based activity across common loan categories. These are market averages, not an advertisement, personal quote, APR, approval, or commitment to lend.

Powered by Optimal Blue Mortgage Market Indices (OBMMI). Index values reflect broad transaction averages and can differ from an actual Loan Estimate because borrower, property, loan, lock, points, costs, and market details affect pricing.

Illustrative first-time buyers reviewing a home budget together
Illustrative photo. The people shown are not QHM clients or team members.
Bring an unfinished plan

You do not have to solve the mortgage before you call

Use a tool, save the numbers that surprised you, and tell us which parts are estimates. We can explain what needs to be confirmed, what may change, and which next step is useful. If a different loan path makes more sense, we will show you why.

Call (619) 815-7100 or ask us a question.

Guides for the questions calculators cannot answer

Educational planning only. These tools do not provide a loan approval, offer, rate quote, Loan Estimate, or commitment to lend. Property costs, loan terms, and program rules must be confirmed for the person and property involved. Harry Protopappas, Mortgage Loan Originator, NMLS #2543750. NEXA Mortgage, LLC, NMLS #1660690. Licensed in California and Nevada. Equal Housing Lender.