Sample design — fictional lender. This is the “Hearth” design from Mortgage Website Shop. Names, NMLS numbers and reviews are placeholders.About this designUse this design
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Run your numbers

Families often start with a budget. This simple tool shows how income and debts shape a comfortable housing payment.

How much home can I afford?

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$
$
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yrs
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Estimated price range up to

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Max housing payment
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Loan amount
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DTI limit used

Estimates for education only, not a loan offer or rate quote. Example rate 7.4% is the Freddie Mac PMMS, 2026-10-15 30-year average, not a quote.

Monthly payment calculator

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%
yrs
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$
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Estimated monthly payment

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Principal & interest
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Tax & insurance
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Mortgage insurance
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HOA
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Loan amount
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Total interest over the term
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Estimates for education only, not a loan offer or rate quote. Example rate 7.4% is the Freddie Mac PMMS, 2026-10-15 30-year average, not a quote.

Refinance break-even calculator

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yrs
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yrs
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Monthly savings

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Current payment
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New payment
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Break-even
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Lifetime interest difference
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Break-even (5-year scale)

Pays back within 3 years: worth a conversation.Pays back slowly: depends how long you stay.No monthly saving at these numbers.

Estimates for education only, not a loan offer or rate quote. Example rate 7.4% is the Freddie Mac PMMS, 2026-10-15 30-year average, not a quote.

Want a real number?

Calculators give estimates. Morgan Pell can give you a personalised answer.

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