Christopher "Chief" Phelps Mortgage Loan Originator NMLS#340763

Mortgage Calculators

Your Dream Home Starts Here—Let’s Run the Numbers

Our mortgage calculators are designed to help you make informed decisions about your home financing options. Whether you’re estimating monthly payments, determining how much home you can afford, or exploring refinance opportunities, these tools provide a quick and easy way to plan your next steps. Try out a mortgage calculator and feel free to contact us if you have questions or need personalized guidance tailored to your financial goals!

Conventional
FHA
VA
Affordability
Refinance

Conventional Loan Calculator

Use our Conventional Loan Calculator to estimate your monthly mortgage payments for a conventional loan, including principal, interest, taxes, insurance and HOA dues. This tool is ideal for homebuyers exploring financing options without government backing, typically requiring good credit and a minimum 3-5% down payment. Quickly determine how different loan amounts, interest rates, and terms impact your budget.

$

5%

1%

5%

0%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

The calculations provided are estimates based on the information you entered and are for informational purposes only. These figures are not guaranteed and do not constitute a loan approval or offer of credit. Actual loan terms, including interest rates, payments, and costs, may vary depending on a variety of factors such as credit history, income, assets, and market conditions. We recommend contacting us to discuss your unique situation and obtain a personalized quote. Additional fees, taxes, and insurance may apply. Please consult with your loan officer for more accurate and customized information.

FHA Loan Calculator

Our FHA Loan Calculator helps you estimate your monthly mortgage payments for an FHA loan, including principal, interest, taxes, insurance, HOA dues and mortgage insurance premiums (MIP). Perfect for first-time homebuyers or those with lower credit scores, this tool shows how an FHA loan’s flexible requirements and lower down payment options fit your budget. For more information on FHA loan limits specific to your County, click here.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Up-Front MIP (1.75%)$0

Monthly Mortgage Insurance $0

The calculations provided are estimates based on the information you entered and are for informational purposes only. These figures are not guaranteed and do not constitute a loan approval or offer of credit. Actual loan terms, including interest rates, payments, and costs, may vary depending on a variety of factors such as credit history, income, assets, and market conditions. We recommend contacting us to discuss your unique situation and obtain a personalized quote. Additional fees, taxes, and insurance may apply. Please consult with your loan officer for more accurate and customized information.

VA Loan Calculator

Our VA Loan Calculator is designed to help veterans, active-duty service members, and eligible spouses estimate their monthly mortgage payments, including principal, interest, taxes, HOA dues and insurance. With no down payment required and no private mortgage insurance (PMI), this tool makes it easy to see how VA loan benefits can work for your budget. For more information on VA loan limits specific to your County, click here.

$

0%

5%

1%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

The calculations provided are estimates based on the information you entered and are for informational purposes only. These figures are not guaranteed and do not constitute a loan approval or offer of credit. Actual loan terms, including interest rates, payments, and costs, may vary depending on a variety of factors such as credit history, income, assets, and market conditions. We recommend contacting us to discuss your unique situation and obtain a personalized quote. Additional fees, taxes, and insurance may apply. Please consult with your loan officer for more accurate and customized information.

Affordability Calculator

Use our Affordability Calculator to determine how much home you can afford based on your income, expenses, and financial goals. This tool helps you set a realistic budget by factoring in loan terms, interest rates, and estimated monthly payments, ensuring you find a home that fits your lifestyle and financial plan.

$
$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

The calculations provided are estimates based on the information you entered and are for informational purposes only. These figures are not guaranteed and do not constitute a loan approval or offer of credit. Actual loan terms, including interest rates, payments, and costs, may vary depending on a variety of factors such as credit history, income, assets, and market conditions. We recommend contacting us to discuss your unique situation and obtain a personalized quote. Additional fees, taxes, and insurance may apply. Please consult with your loan officer for more accurate and customized information.

Refinance Comparison Calculator

Our Refinance Calculator helps you estimate potential savings by refinancing your mortgage. Determine if lowering your interest rate, changing your loan term, or accessing equity makes sense for your financial goals. This tool shows how refinancing can reduce monthly payments or save you money over the life of your loan.

$
%
months
$
%
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

The calculations provided are estimates based on the information you entered and are for informational purposes only. These figures are not guaranteed and do not constitute a loan approval or offer of credit. Actual loan terms, including interest rates, payments, and costs, may vary depending on a variety of factors such as credit history, income, assets, and market conditions. We recommend contacting us to discuss your unique situation and obtain a personalized quote. Additional fees, taxes, and insurance may apply. Please consult with your loan officer for more accurate and customized information.