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Bill DeMars, Broker / Owner
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Money-saving financial calculators for home buyers.
The interest rates and payments are estimates and are not guaranteed until you submit an application and the interest rate is officially underwritten by a mortgage company. Also, Payment calculators do not include Private Mortgage Insurance. PMI could be required by some Mortgage Companies based upon the mortgage amount requested.
  • Simple Loan Payment Calculator
    Enter the values of your loan payment to calculate your monthly payments.

  • How Much House Can You Afford?
    Submit some values below and find out for yourself.

  • Mortgage Qualification Calculator
    The calculator will try to calculate what kind of income lenders will expect you to be making to qualify for the specific values.

  • Renting vs. Buying
    This form allows you to compare renting versus buying by submitting how much you want to spend a month and how much down you would put into your house.

  • APR - How Much Does That Loan Really Cost?
    Enter the interest rate of your loan, the points and costs and the loan amount. It figures the rest.

  • Convertible Balloon Mortgage Calculator
    These days 5/25 and 7/23 convertible balloon mortgages are getting more popular since they provide lower rates than conventional 30 year mortgages while still giving a fixed payment schedule for 5 or more years. The risk, of course, is what happens after the initial fixed period is over and you have the possibility of converting your loan. Here is a calculator to try to answer those questions.

Money-saving financial calculators for home sellers.
  • Prepayment Mortgage Reduction Calculator
    This form allows you to see how prepaying your mortgage reduces the length of your mortgage by putting in the current values for your loan.

  • How Long Will It Take For My Loan Be Paid Off?
    Here is a new twist on the mortgage calculator. Here you tell how much you want to spend each month, an interest rate and a loan amount, and the computer tells you how long it will take you to pay it off!
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