Calculator Suite
Run the numbers with your clients
Add ?p=your-partner-code to any calculator link to show your name and photo next to Shane's. Find your code in the dashboard.
Mortgage Payment (PITI + PMI/MIP)
Estimate a full monthly housing payment: principal, interest, taxes, insurance, HOA, and mortgage insurance for Conventional, FHA, or VA.
Refinance Break-Even
How long until a refinance pays for itself? Compares the current principal & interest payment with a new loan and divides closing costs by the monthly savings.
Seller Net Proceeds
Estimate what a seller walks away with after payoffs, commission, concessions, transfer tax, title, and prorations.
Buydown: Temporary & Permanent
Compare a temporary buydown (3-2-1, 2-1, 1-1, 1-0) funded by a seller or builder credit with permanently buying down the rate with points.
DSCR (Investment Property)
Debt-service coverage ratio for rental purchases: qualifying rent divided by PITIA, plus the largest loan that hits a target ratio.
FHA Streamline Refinance
Estimate the new FHA loan amount (with UFMIP refund credit), payment change, and HUD's net-tangible-benefit and seasoning tests.
VA IRRRL (Streamline)
VA Interest Rate Reduction Refinance: new loan amount with the 0.5% funding fee, payment reduction, and VA's 36-month recoupment, rate-drop, and seasoning tests.