Mortgage Tools
Calculators built for real decisions.
Quick estimates, then call John for the real plan.
Mortgage Payment Calculator
Principal & Interest
$2,043
Taxes + Insurance
$475
Estimated payment
$2,518
Affordability Calculator
Estimated max monthly
$3,700
Estimated home price
$503,312
Estimate only. Final qualification depends on full underwriting review.
Refinance Calculator
Monthly savings
$234
Annual savings
$2,806
Breakeven (months)
20
Rent vs. Buy Calculator
Total rent (7 yr)
$184,800
Estimated equity gain
$9,195
Approx. buy advantage
$7,195
Simplified estimate, does not account for taxes, maintenance, opportunity cost.
Mortgage Readiness Checklist
- Pulled credit reports from all three bureaus
- Identified target monthly payment (not just max approval)
- Two months of bank statements ready
- Two years of W-2s or tax returns ready
- 30 days of recent pay stubs ready
- Down payment seasoned in account or gift letter prepared
- List of monthly debts and balances
- Comfortable emergency reserve still intact after closing
Home Buying Timeline
- 1Day 0-1Pre-approval call
Review credit, income, and goals. Issue a real pre-approval letter.
- 2Day 1-30Home shopping
Tour homes; refine pre-approval as needed for offer strength.
- 3Day 30Offer accepted
Submit final loan application; lock rate strategy reviewed.
- 4Day 30-45Processing & appraisal
Documentation, appraisal, title work, and underwriting review.
- 5Day 45-55Clear to close
Final approval issued; closing disclosure delivered.
- 6Day 60Closing day
Sign documents, fund the loan, get the keys.
Ready when you are
Talk with John about your next step
Whether you're 6 months or 6 days from buying, a 15-minute conversation gives you a clear plan and the right pre-approval strength.