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Mortgage calculator

See your monthly payment, then let Mike beat it.

Estimate a purchase or a refinance in Texas or California. Everything updates as you type, and nothing is saved unless you choose to send it to Mike.

The home

State
Loan term
$
Loan type
$
%

The rate

%
Use the interest rate, not the APR. This is an example rate, not a quote. Your real rate depends on credit, down payment and the loan program.

Taxes, insurance and other costs

% / yr
$/ yr
Swap in your real quote when you have one.
$/ mo
$/ mo

Your current loan

$
%
years
Your statement shows the balance and rate. If you are not sure how many years are left, a close guess is fine.

The new loan

%
New loan term
$
Set this to 0 to see a no cost refinance. Ask Mike whether one makes sense for you.
Estimated monthly payment
$0/mo

Principal, interest, taxes, insurance and fees you entered

    Loan amount$0
    Cash for down payment$0
    Total interest$0
    Paid off 
    Current payment$0
    New payment$0
    Break even 
    Interest difference$0
    Get my real numbers from Mike Call Mike: (817) 455-8864
    Why the rate matters

    What a better rate is worth to you

    Small rate differences add up to real money over the life of a loan. As an independent broker, Mike compares offers from multiple wholesale lenders instead of selling you one bank’s rate.

    Have Mike shop my rate
    Your loan over time

    Where each year’s payments go

    Early payments are mostly interest. Over time more of each payment goes toward owning your home.

    PrincipalInterest
    $/ mo

    See the full yearly schedule
    YearPrincipalInterestBalance
    Your next step

    Turn this estimate into a real quote

    Send your numbers to Mike and he will get back to you with actual rates and a payment you can plan around.

    • A licensed broker reviews your numbers, not a call center
    • He compares multiple lenders for you
    • No cost and no obligation to ask
    • Serving Texas and California
    MS
    Mike StanleyLicensed mortgage broker, NMLS #1032377

    Send my estimate to Mike

    Prefer to talk now? Call (817) 455-8864 or send Mike a message.

    Thanks, your estimate is on its way to Mike.He will reach out soon, usually within one business day. Need him sooner? Call (817) 455-8864.

    This calculator is for education and planning only. Results are estimates based on the numbers entered and standard fixed rate math. They are not a rate quote, Loan Estimate, approval or commitment to lend. Tax and insurance starting values are rough state estimates. FHA and VA figures use common premium and funding fee schedules and conventional mortgage insurance is a rough estimate; your actual costs depend on credit, property, program and underwriting. Best Rates Financial, NMLS #2808971. Mike Stanley, NMLS #1032377, CA DRE Broker #00712622. Equal Housing Opportunity.

    Estimated payment$0/mo
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