Mortgage Calculator — Estimate Your Loan Payments

Works for Conventional, FHA, VA, and More

Use our free mortgage calculator to estimate your monthly mortgage payments and plan with confidence. Whether you’re buying your first home, refinancing, or comparing loan options, this tool works for conventional, FHA, VA, non-QM, and more. Enter your details to see an instant estimate and start planning your next move.

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Whether you’re self-employed, a small business owner, a veteran, or an investor — I’ll show you the best options for your situation.

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Estimates shown are for planning purposes only and do not represent a loan approval.

What inputs should I use?

Enter home price, down payment (dollars or %), rate, and term in years. Add property tax, insurance, HOA, and PMI if they apply. Loan amount = price minus down payment.

Why is my payment higher than expected?

Payment includes principal, interest, property tax, homeowners insurance, HOA, and PMI when down payment is under 20%. VA loans usually have no monthly PMI. Taxes and insurance raise the total.

Do I need PMI?

PMI applies when down payment is under 20% on most conventional loans. VA loans have no monthly PMI. PMI can be removed around 20% equity, subject to lender rules.

How do bi-weekly payments help?

26 half-payments per year = 13 full payments. That cuts interest and shortens the term. The calculator shows the savings.

What programs fit self-employed or small business owners?

Non-QM and bank statement loans, 1099 programs, DSCR for investors, plus VA/FHA/conventional where eligible. We match the program to your documentation and goals.

How accurate are these numbers?

Estimates only. Final terms depend on credit, income, assets, property, and program guidelines. Get a custom quote for exact numbers.