Mortgage Tools

Calculate with Confidence

Use these tools to estimate payments, analyze affordability, and compare loan options.

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Mortgage Analyzer

Run the numbers on monthly payments, total interest, and extra payment savings.

Launch Toolโ†’
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Scenario Comparator

Compare FHA, VA, and Conventional loans side-by-side with real rates.

Launch Toolโ†’
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Pro Scenario Builder

Deep dive analysis. Structure complex loans, buydowns, and investment scenarios.

Launch Toolโ†’
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Cost of Waiting

Analyze the financial impact of buying now vs. waiting for rates to drop.

Launch Toolโ†’
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Rent vs. Own

Calculate the long-term wealth impact of buying a home versus continuing to rent.

Launch Toolโ†’
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Blended Rate Calc

Calculate your effective interest rate when combining a mortgage with a HELOC.

Launch Toolโ†’
Custom Strategy

Need a deeper analysis?

Calculators are great for estimates, but they don't know your full financial picture. Let's build a custom strategy together.

Loans by Vai

Strategic mortgage planning for Celina, TX and beyond. We don't just close loans; we build wealth strategies.

Vai Sista
NMLS ID #2719500 โ†—
Sponsored By
The Mortgageist Inc.
NMLS ID #2710734 โ†—

Lending Solutions

Self-Employed Borrowers
Real Estate Investors
VA & FHA Loans
Strategic Refinancing

Analyst Tools

All Calculators
Cost of Waiting
Rent vs. Own
Market Pulse Blog

Contact

๐Ÿ“ Celina, Texas
๐Ÿ“ž (945) 310-5573
โœ‰๏ธ loansbyvai@themortgageist.com
ยฉ 2026 Loans By Vai.
Vai Sista (NMLS #2719500) is an agent of The Mortgageist Inc. (NMLS #2710734).
Equal Housing Lender ๐Ÿ 
Privacy PolicyNMLS Consumer Access
Loans by Vai

Strategic mortgage planning for Celina, TX and beyond. We don't just close loans; we build wealth strategies.

Vai Sista
NMLS ID #2719500 โ†—
Sponsored By
The Mortgageist Inc.
NMLS ID #2710734 โ†—

Lending Solutions

Self-Employed Borrowers
Real Estate Investors
VA & FHA Loans
Strategic Refinancing

Analyst Tools

All Calculators
Cost of Waiting
Rent vs. Own
Market Pulse Blog

Contact

๐Ÿ“ Celina, Texas
๐Ÿ“ž (945) 310-5573
โœ‰๏ธ loansbyvai@themortgageist.com
ยฉ 2026 Loans By Vai.
Vai Sista (NMLS #2719500) is an agent of The Mortgageist Inc. (NMLS #2710734).
Equal Housing Lender ๐Ÿ 
Privacy PolicyNMLS Consumer Access
Loans by Vai

Strategic mortgage planning for Celina, TX and beyond. We don't just close loans; we build wealth strategies.

Vai Sista
NMLS ID #2719500 โ†—
Sponsored By
The Mortgageist Inc.
NMLS ID #2710734 โ†—

Lending Solutions

Self-Employed Borrowers
Real Estate Investors
VA & FHA Loans
Strategic Refinancing

Analyst Tools

All Calculators
Cost of Waiting
Rent vs. Own
Market Pulse Blog

Contact

๐Ÿ“ Celina, Texas
๐Ÿ“ž (945) 310-5573
โœ‰๏ธ loansbyvai@themortgageist.com
ยฉ 2026 Loans By Vai.
Vai Sista (NMLS #2719500) is an agent of The Mortgageist Inc. (NMLS #2710734).
Equal Housing Lender ๐Ÿ 
Privacy PolicyNMLS Consumer Access