Calculators
Run the numbers
Two simple tools. The payment estimator shows what principal and interest would look like for a home price, down payment, rate, and term. The refinance comparison shows whether a lower rate would actually save you money each month — and how long it takes for the savings to cover the costs.
Monthly payment estimator
Estimate only — not a quote. This calculator shows an estimate of principal and interest for the numbers you enter. It is not a rate quote, an approval, or a commitment to lend. Your actual payment depends on your loan, your taxes and insurance, and the terms you qualify for.
Refinance comparison
Would refinancing actually save you money? A lower rate helps, but refinancing has costs — and stretching the loan back out to 30 years can mean paying more interest overall even when the monthly payment drops. This comparison shows the monthly difference and how long the savings take to cover the closing costs.
Estimate only — not a quote. This comparison is a rough guide, not a recommendation. Whether refinancing makes sense depends on how long you'll stay in the home, the total interest over the life of the loan, and the actual terms you qualify for. A lower monthly payment doesn't always mean you pay less overall — ask John to run your actual numbers.