Mortgage hub
Mortgages are where small assumptions become big outcomes. This hub groups the calculators and guides that matter for real decisions: payment math, affordability, amortization, and refinance break-even.
Key calculators
Mortgage Calculator
Monthly payment math with guidance, examples, and edge cases.
House Affordability Calculator
Top‑down affordability using income and constraints.
Amortization Calculator
See interest vs principal over time; compare early payoff scenarios.
Payment Calculator
Quick payment comparisons for different terms and rates.
Rent vs Buy Calculator
Horizon and opportunity cost sanity checks.
Best guides
Mortgage calculator: first-time buyer guide
How to interpret results and avoid expensive mistakes.
PMI explained (and removal mindset)
How PMI changes affordability and how to think about removing it.
Refinance break-even (personal story)
Break-even math + term reset traps + decision framework.
Rent vs buy framework
Three scenarios that matter: base, move, rate shock.
House affordability framework (PITI + stress test)
Affordability that survives imperfect assumptions.
PITI + DTI affordability guide
The math that prevents “house poor” decisions.
How to use this hub
- Start with affordability (income constraints), then validate the payment with a mortgage calculator.
- Add taxes/insurance/HOA and maintenance reserve for a realistic monthly cost.
- Stress test the rate (+1%) and horizon (what if you move in 3 years?).
- Only then compare refinance offers using break-even months and interest-over-horizon.