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Explore payment, equity, break-even, and DSCR scenarios with interactive calculators designed to support practical decision-making.
Estimate gross equity and illustrative borrowing room at a selected combined loan-to-value.
Illustration only. Actual maximum CLTV and available proceeds vary by lender, occupancy, property type, credit profile, valuation and existing liens.
Estimate an interest-only payment and a later amortizing payment using your assumed line balance and rate.
Many HELOCs have variable rates. This calculator holds your entered rate constant solely for illustration; actual payments can change with the index, margin, balance and loan terms.
Estimate principal-and-interest payments for a fixed-rate, closed-end second mortgage.
Does not include taxes, insurance, fees or other charges. Use lender disclosures to compare actual APR and total transaction costs.
Model the new first-mortgage balance after paying off the current loan, receiving cash and optionally financing closing costs.
This simplified model does not determine program eligibility or maximum cash-out. It excludes escrow, prepaid items, mortgage insurance and other transaction-specific charges.
Estimate how long payment savings may take to recover refinance costs.
A payment-only break-even does not capture differences in loan balance, term extension, equity received, tax effects or opportunity cost. Compare total transaction economics before deciding.
Estimate property-level debt-service coverage using monthly rental income, an operating-expense assumption and proposed monthly debt service.
DSCR methodology differs by lender and program. Some lenders use gross rent, PITIA, market rent, lease rent, vacancy factors or different expense treatment. This tool is educational only.
Calculator results are estimates. A loan professional can evaluate the appropriate homeowner, investor/DSCR or veteran channel using lender-specific eligibility and overlays.