Financial Tools

Mortgage & Financing Calculators

Plan your home purchase, refinancing, and loan payments with our comprehensive collection of interactive calculators. Get instant estimates and make informed financial decisions.

Monthly Payment Calculator

Calculate your monthly mortgage payments including principal, interest, taxes, and insurance.

Home Affordability

Determine how much house you can afford based on your income, debts, and down payment.

Refinance Savings

Calculate potential savings and break-even point when refinancing your current mortgage.

Amortization Schedule

View detailed payment breakdown showing principal and interest over the life of your loan.

Down Payment Planner

Calculate how much you need to save for your down payment and closing costs.

Debt-to-Income Ratio

Calculate your debt-to-income ratio to understand your loan qualification potential.

Important Disclaimer

These calculators provide estimates based on the information you provide. Actual loan terms, rates, and payments may vary based on your credit profile, property details, and current market conditions. For accurate quotes and personalized advice, please contact Jose Manuel Arango, NMLS #20136.

How These Calculators Help You

Accurate Estimates

Get reliable calculations based on current market standards and lending guidelines.

Budget Planning

Plan your finances and understand exactly what you can afford before house hunting.

Informed Decisions

Compare different scenarios and loan options to make the best financial choice.

Save Time

Get instant results without waiting for appointments or lengthy consultations.

Need Personalized Help?

While these calculators provide great estimates, every situation is unique.

Custom loan program recommendations
Current rate quotes and pre-approval
Analysis of your specific financial situation
Guidance through the entire loan process
Schedule Free Consultation
Jose Manuel Arango, NMLS #20136

Calculator Tips & Guidelines

Interest Rates

Rates change daily. Contact me for current rates specific to your situation and credit profile.

Property Taxes

Tax rates vary by location. Check local tax assessor websites for accurate estimates.

Insurance

Insurance costs depend on location, home value, and coverage. Get quotes from multiple providers.

Down Payment

Many loans require less than 20% down. Ask about low down payment programs available.

Ready to Move Forward?

These calculators are just the beginning. Let's discuss your specific situation and find the perfect loan program for you.