Free tools to help you understand your numbers before you apply. All results are estimates — contact Gene for guidance specific to your situation.
Answer a few questions and get pointed to the right calculator and loan path for your situation. No personal info required.
Enter a loan amount, interest rate, and term to estimate your monthly principal and interest payment.
See what home price fits your budget based on income, monthly debts, and down payment using a debt-to-income estimate.
Find how many months it takes for a refinance to pay for itself based on your monthly savings and closing costs.
For investors: find the highest price a rental property still pencils at — by cash flow, cash-on-cash return, or the DSCR lenders underwrite to.
Compare the true long-run cost of buying versus renting, factoring in appreciation, rent growth, and what you'd earn investing the difference.
See how a one-time lump-sum payment re-amortizes your loan — lowering the monthly payment without refinancing.
Taking over a seller's low-rate loan? See the cash you'd bring to the table, your effective blended rate, and the combined payment — with cash or a second mortgage covering the gap.
Weigh a cash-out refinance against a HELOC and a home equity loan to see which way of tapping equity costs you least.
See how adding to your monthly payment shortens your loan term and cuts the total interest you pay.
Calculate your loan-to-value and combined loan-to-value ratios to gauge equity, PMI, and program eligibility.