Run the numbers before you talk to anyone

Start with the monthly-payment calculator below — it updates live as you move the sliders, no sign-up and no credit pull. Need a different angle? Pick any of the other calculators underneath. They're estimates to help you plan, and when you're ready Miguel can turn any scenario into a real quote.

More calculators

Each one opens its own full tool — pick the calculator that matches what you're figuring out.

  • How much house can I afford — Turn your income and monthly debts into a realistic home-price target before you start shopping.
  • Refinance — Compare your current loan to a new rate and see how long it takes to earn back the closing costs.
  • Extra payment & payoff — Add a little to each payment and watch the payoff date — and the total interest — drop.
  • Rent vs. buy — Weigh years of rent against owning the same home, including the equity you'd build over time.
  • FHA streamline refinance — Already have an FHA loan? See if a streamline refi lowers your payment — no appraisal, no income check.
  • Closing costs — See a transparent, line-by-line estimate of the cash you'd need at closing, on top of your down payment.
  • Earned Equity cost — Can't get a traditional loan yet? Estimate the monthly cost and cash to move in with the FHA Earned Equity Program.
  • DSCR rental coverage — Buying a rental? Check whether the property's rent covers its full payment — the same coverage math a DSCR lender runs.
  • VA loan payment — Served? Estimate a VA payment with zero down and no monthly mortgage insurance — the one-time funding fee included.
  • Debt-to-income (DTI) — Add up your income and monthly debts to see the ratio lenders check — and how much room is left for a house payment.
  • Bank-statement income — Self-employed? Turn your deposits into qualifying income the way a bank-statement lender would size it.
  • Points & rate buydown — Weigh paying discount points against the monthly savings — and see the month you break even on the cost.
  • Cash-out refinance — Tap your home's equity — see the cash you could pull out and what the new payment would look like.
  • Down-payment savings — Set a price goal and see how many months of steady saving get you to the down payment.