Purchase And Refinance Planning

Clear Loan Numbers Before You Apply.

Estimate purchase power, monthly housing costs, refinance savings and break-even timing with a calculator built from Lazerus Properties and Capital's FastQuote framework.

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Loan Calculator

Choose Your Loan Goal.

Use the current average as a starting point, then adjust it to match a real loan estimate or lender quote.

Income And Funds

Gross Monthly Income$Monthly Liabilities$/moAuto, student, credit card and other recurring debt. Include the total of your Minimum Payments only.Available Funds$Funds available for down payment and closing costs.Maximum Debt-To-Income%

Property And Loan

Purchase Price$Loan ProgramDown Payment%Interest Rate%Editable. The current average is inserted when the page loads.Loan TermyearsEstimated Closing Costs$

Monthly Housing Costs

Annual Property Tax Rate%Annual Homeowners Insurance Rate%Annual Mortgage Insurance Rate%Set to zero when mortgage insurance does not apply.Monthly HOA$/mo

Ready For A Full Pre-Approval?

Get My Pre-Approval Now

Complete our secure online application when it is convenient for you. A Lazerus Properties and Capital mortgage professional will review your information and follow up regarding your purchasing power and available loan options.

Important Context

An Estimate Is The Start Of The Conversation.

Average Rate, Not Your Rate

Credit, loan-to-value, occupancy, property type, loan size, program, lock period and points can materially change the available rate.

Qualification Is Individual

Income documentation, reserves, liabilities, mortgage insurance, appraisal and underwriting rules determine actual eligibility.

Compare Total Cost

For a refinance, review payment savings, cash or financed costs, break-even timing and the effect of restarting the loan term.