• As for the "deal" we got, let me just say, we
  are more than happy with it. In fact, I think
  it's safe to say it surpassed my most optimistic
  expectations.


• You and your team have led us through a
  veritable maze of mortgage financing products
  with great care and compassion. We especially
  appreciate the genuineness with which you
  approach the relationship.


• No Bull Mortgage handled all of our questions
  and concerns with patience, honesty, and a
  sense of humor.
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Home Buying and Refinance Calculators

If you're thinking about buying a home or refinancing your current one our free, interactive loan calculators will help you explore your loan options to make the right home financing decision.

Should I Refinance? (Savings Calculator)

See how consolidating your all of your debts into one lower interest loan can reduce your monthly payments.

How Much Can I Afford?

Estimate the amount of mortgage you can afford based on the size of your monthly rent payment, the downpayment you could afford, and on the anticipated property taxes and homeowner's insurance.

Rent vs. Buy

Compare the costs of renting to the costs of buying a home. Since there are all kinds of forces at work behind the scenes (interest, property taxes, tax savings, appreciation, opportunity costs, closing costs, selling costs, etc.), comparing the cost of renting to the cost of buying is a lot more complicated than just comparing the monthly mortgage payment to the monthly rent payment. This calculator attempts to forecast the net effects of all the hidden forces so you can make an informed decision.

Payment Calculator

Compute your mortgage's monthly payment amount based on the principal amount borrowed, the length of the loan and the annual interest rate. This calculator will also compute your total mortgage payment which will include your property tax, property insurance and PMI payments. Then, create amortization schedule you can print out.

Debt to Income Ratio

Use this calculator to determine your debt to income ratio. Generally speaking, a debt ratio greater than or equal to 40% indicates you are not a good risk for lending money to. This can be accommodated with special programs.

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