Real numbers, not fantasy estimates. Calculate your home buying power, HELOC limits, and more with actual lender data.
Tools to help you plan your home purchase
Your real buying power from income, debts, and the cash you actually have. Finds both limits and tells you which one is holding you back.
See itemized closing costs by state including transfer taxes, title insurance, and lender fees.
See how credit score and down payment affect your private mortgage insurance cost.
Should you buy points? Calculate your break-even timeline and total savings.
Pay off your mortgage faster and understand your payment structure
The ultimate extra payments tool. Compare strategies, see the Prepay Curve, and find your optimal path to payoff.
Calculate exactly how much you save by adding extra to your monthly payment.
See why $1 in Year 1 saves more than $1 in Year 30. Visualize the true value of early payments.
See how biweekly payments add an extra payment per year and shave years off your mortgage.
Compare continuing your 30-year vs accelerating to 15 vs refinancing to a 15-year loan.
See your full payment schedule with month-by-month breakdown.
Analyze your refinance and recast options
Access and manage your home equity
Alternative documentation and investor loans
Does your rental property qualify? Calculate your debt service coverage ratio.
Self-employed? Calculate your qualifying income from 12-24 months of bank statements.
Use your liquid assets to qualify for a mortgage. Calculate your synthetic income.
Retirement home equity solutions
Altgage Inc. NMLS #2447252 | 100 Cambridge St, Floor 14, Boston, MA 02114