Explore My Mortgage Calculators
Run the numbers. Compare options. Quick, easy, and always free.
Purchase Mortgage Calculator
Estimate your monthly mortgage payment based on home price, down payment, interest rate, and loan term. Great for first-time buyers.
Refinance Mortgage Calculator
See how much you could save by refinancing your mortgage. Compare your current loan to new terms, interest rates, and payoff timelines.
Buy Now or Wait Calculator
Wondering if you should buy now or keep saving? This tool compares housing costs and appreciation over time.
VA Loan Calculator
Calculate your VA loan payment including funding fee, taxes, and insurance. Built for Ohio veterans and service members.
FHA Mortgage Calculator
Estimate your monthly payment for an FHA loan in Ohio, including MIP and minimum down payment.
USDA Mortgage Calculator
Estimate your monthly USDA mortgage payment, including zero down, rural eligibility, and upfront guarantee fee.
How Much Can I Afford
Based on your income and debts, estimate what home price you can realistically afford with this How Much Can I Afford Calculator.
Rent vs. Buy Calculator
Compare the true cost of renting vs buying a home!
DTI Ratio Calculator
Calculate your debt-to-income ratio to see if you meet lending guidelines for a mortgage.
Find the Right Mortgage Calculator for You
No matter where you are in the home buying or refinancing process, the right tools make a big difference. This collection of mortgage calculators is designed to help you estimate monthly payments, compare loan options, and make smart financial decisions — whether you’re buying your first home in Maineville, upgrading in Loveland, or refinancing anywhere in Ohio.
From mortgage payment calculators to buy now vs wait tools, these resources are built to answer the real-world questions every buyer or homeowner faces. You’ll find first-time homebuyer calculators, mortgage loan calculators, and refinance calculators — all simple, fast, and free to use.
Each calculator is tailored to help you:
- Estimate your total monthly mortgage payment with taxes, insurance, and HOA fees.
- Compare the benefits of buying now versus saving for a larger down payment.
- Calculate your potential VA loan payment, including the VA funding fee.
- Plan for a refinance, understand your break-even point, or assess cash-out options.
- Evaluate affordability based on your income, down payment, and loan type.
Whether you’re planning your first purchase, looking to lower your monthly payment, or just want to see what’s possible, these calculators give you a head start.
Built for Ohio Homebuyers and Homeowners
As a local mortgage broker based in Mason, OH, I created these calculators to make the mortgage process clearer for buyers across Loveland, Morrow, and throughout Southwest Ohio.
If you have questions about your results — or if you want help comparing loan options — I’m here to guide you. Every situation is unique, and getting personalized advice can save you time, money, and stress when you’re ready to move forward.
Need a second opinion or help understanding your options?
Contact me today for a free consultation.
Or, if you’re ready to get started:
Learn how to get pre-approved here.