Free Mortgage Tools Built for Complex Borrowers
Run the numbers before you talk to anyone.
DSCR Calculator
See if your rental property cash flows enough to qualify for a DSCR loan.
For: Real estate investors
Use Free Tool →Physician Mortgage Calculator
Calculate your qualifying amount with 0% down, no PMI, and student debt excluded.
For: Doctors, dentists, healthcare providers
Use Free Tool →Hard Money Refi Calculator
See how much you'll save by converting your hard money loan to conventional financing.
For: Fix-and-flip investors, property rehabbers
Use Free Tool →Asset Utilization Calculator
See how your liquid assets can qualify you for a mortgage without traditional income.
For: Retirees, high-net-worth borrowers
Use Free Tool →Write-Off vs Rate Calculator
Find out if your business write-offs are costing you more than a rate bump on an alt-doc loan.
For: Self-employed borrowers
Use Free Tool →Asset Transfer Calculator
Bank mortgage rate discount vs the return gap from staying with their advisor. Run the real math.
For: Portfolio mortgage borrowers
Use Free Tool →Reverse Mortgage Calculator
See how much tax-free cash you could access from your home equity — no monthly payments required.
For: Homeowners 62 or older
Use Free Tool →FHA Reverse Mortgage Calculator
Estimate your FHA-insured HECM proceeds — including the 2026 lending limit and what FHA mortgage insurance costs.
For: Homeowners 62 or older
Use Free Tool →Reverse Mortgage Monthly Payment Calculator
See the monthly check a reverse mortgage could send you — tenure payments for life in the home, or larger term payments.
For: Retirees who want monthly income
Use Free Tool →Reverse Mortgage Refinance Calculator
Already have a reverse mortgage? See if appreciation, age, or rates unlock enough new proceeds to pass the 5x benefit test.
For: Current reverse mortgage holders
Use Free Tool →Jumbo Reverse Mortgage Calculator
Estimate proceeds on a proprietary reverse mortgage for high-value homes above the FHA HECM limit — up to $4M+, age 55+.
For: Owners of high-value homes, 55+
Use Free Tool →HECM for Purchase Calculator
See the down payment needed to buy a new home with a reverse mortgage — and skip the monthly mortgage payment.
For: Homebuyers 62 or older
Use Free Tool →