Your Home Finance Decision Engine
Don't Just Get a Mortgage. Understand It.
Change the numbers. See what happens. Compare down payments, loan programs, terms, refinancing and renting with real amortization math — then decide with someone who does this every day.
For the week of September 10, 2026, the Freddie Mac survey average was 6.76% on a 30-year fixed and 6.09% on a 15-year fixed — see the trend. Averages are not quotes; your rate depends on your profile and the market that day.
Start with your question
What are you trying to decide?
Buy vs Rent
Is buying actually better than renting for how long I'll stay?
Run the numbers →Down Payment
How much should I put down — and what does each choice cost me?
Run the numbers →FHA vs Conventional
Which program is cheaper for my credit and down payment?
Run the numbers →Refinance
Does refinancing save me money, and when do I break even?
Run the numbers →Pay Extra
What happens if I add money to principal every month?
Run the numbers →Compare Everything
Show me every path side by side, including renting.
Run the numbers →
Mortgage Decision Simulator
Change the numbers. See what happens.
Enter your home price, down payment, rate, taxes, rent and timeline once. Then move a single slider — the rate, the down payment, the years you stay — and watch the payment, the cash needed, the equity and the buy-versus-rent gap update instantly.
Open the simulator- Real amortization schedules, not payment shortcuts
- PMI and FHA MIP modeled separately, with removal timing
- Taxes, insurance, HOA dues and maintenance included
- Renting modeled with the same cash invested at your assumed return
- Every result shareable without sharing your personal details
Calculators
Every calculator on the site
Mortgage Calculator
Payment, taxes, insurance, mortgage insurance and total interest in one place.
Buy vs Rent
See what buying versus renting could mean over 5, 10 and 20 years.
Down Payment
Compare 3%, 5%, 10%, 15%, 20% and custom down payments side by side.
FHA vs Conventional
Compare cash needed, monthly payment, mortgage insurance and long-term cost.
Refinance
Compare your current mortgage against a potential refinance, including the reset term.
Pay Extra
See how extra monthly or one-time payments change your payoff date and interest.
15 vs 30 Year
Cash flow versus total interest on a shorter loan term.
Rate Comparison
What each half point of interest rate does to your payment and total interest.
Rate Buydown
Break-even math on paying discount points to lower your rate.
Home Equity
Project equity at 1, 5, 10 and 20 years from payments plus appreciation.
Compare My Options
One home price, every financing path, side by side — including renting.
Decision Simulator
Enter your numbers once, then move between every what-if question.
Rates & news
What the market is doing this week
Week of September 10, 2026
6.76%
30-year fixed average
6.09%
15-year fixed average
See the two-year trend →HousingWire
DSCR loans are booming amid fragmented underwriting standards
HousingWire
Housing market faces headwinds as mortgage rates move above 7%
HousingWire
Zillow faces shareholder lawsuit over Redfin deal
Mortgage News Daily
AM Rally Completely Erased By The Close
Mortgage News Daily
Mortgage Rates Held Fairly Steady Until Late in The Day
Mortgage News Daily
Existing Home Sales Dip Below 4 Million as Inventory Builds
Why work with Anil?
High Tech. Human Touch.
Realtor + Loan Officer
One person sees both sides of the transaction, so the offer strategy and the financing plan are built together instead of being negotiated between strangers.
Technology-driven process
A secure online application, digital document upload and status you can actually follow — plus the calculators on this site to model decisions before you commit.
Human guidance
Numbers do not cover everything. Job changes, family plans, self-employment and timing all matter, and those need a conversation.
How it works
From curiosity to closing
- Step 1
Explore
Run the numbers yourself here. No forms, no phone number, no credit pull.
- Step 2
Talk With Anil
Walk through your scenario and get straight answers about what changes it.
- Step 3
Credit Review
Review credit and documentation to see what programs you actually qualify for.
- Step 4
Pre-Approval
Get a pre-approval that sellers and agents take seriously.
- Step 5
Find Your Home
Search, tour and negotiate with a Realtor who also understands the financing.
- Step 6
Choose Financing
Compare the real options on your Loan Estimate, not hypotheticals.
- Step 7
Close
Coordinate appraisal, underwriting and closing with one point of contact.
Questions people actually ask
Mortgage basics, answered
How much down payment do I need to buy a house?
Common minimums are 3% down on some conventional programs and 3.5% down on FHA for qualifying borrowers, though the amount that fits you depends on your cash, your monthly budget and how mortgage insurance is priced for your profile.
Read the full answer →Is an FHA loan better than a conventional loan?
Neither is universally better. FHA can require less cash upfront and is often more flexible on credit, while conventional financing can cost less over time when your credit and down payment are strong because its mortgage insurance can be cancelled.
Read the full answer →Should I refinance my mortgage?
A refinance can make sense when the monthly savings recover your closing costs well before you expect to sell or refinance again — but you also have to look at what restarting the loan term does to total interest.
Read the full answer →Is it better to buy or rent right now?
It depends mostly on how long you stay, what rent does over that period, and what the home is worth when you sell. Buying tends to look better the longer you stay, because upfront and selling costs get spread over more years.
Read the full answer →No pressure, and no gatekeeping
Educational only: The calculators and information on this website are for educational and illustrative purposes only. Results are estimates based on the information and assumptions entered and are not a loan offer, commitment to lend, financial advice or guarantee of eligibility, rates, costs or savings. Actual loan terms, rates, fees, mortgage insurance and qualification requirements vary by borrower, property, lender and loan program. Speak with a licensed mortgage professional for personalized information.