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.

Let’s find the right loan for you together.

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

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.
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.NEXA Mortgage - NMLS# 1660690

5559 S Sossaman Rd Building 1 #101, Mesa, AZ 85212

https://nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1660690

NEXA Mortgage LLC is an Equal Housing Lender

Qualified Home Mortgage – Powered by NEXA Mortgage

Steven “Harry” Protopappas, Mortgage Loan Originator

NMLS #2543750| Licensed in California, Nevada, and Texas

📞 (619) 815-7100 | ✉️ [email protected]

.Notice To Texas Loan Applicants: Consumers wishing to file a complaint against a mortgage banker, or a licensed mortgage banker residential mortgage loan originator, should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov https://bit.ly/3B5pAfz

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A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov