Loan Strategy Comparator
Should you take the FHA rate with higher MI? Or the Conventional loan with a larger down payment? Compare up to 5 scenarios instantly.
The "Cost vs. Cash" Trade-off
Every mortgage is a balance between your upfront cash, your monthly obligation, and your long-term interest costs.
FHA vs. Conventional
FHA loans often have lower rates but permanent mortgage insurance (PMI). Use this tool to see if the lower rate actually saves you money over 5 years.
15-Year vs. 30-Year
A 15-year term spikes your payment but saves massive interest. Compare the 'Total Interest' row to see the six-figure difference.
Buydown Math
Is it better to lower the price or buy down the rate? Enter a '2-1 Buydown' scenario next to a standard one to see the cash-flow difference in Year 1.
Stop guessing. See the math.
The lowest rate isn't always the best loan. Let's compare your specific options side-by-side to find the lowest cost of ownership.