Wondering what your mortgage actually costs?
See it before you sign anything.

Frequently Asked Questions

• How does the mortgage calculator work? −

  Enter your loan amount, interest rate, loan term, and any optional costs like property tax, insurance, and HOA fees. The calculator instantly computes your monthly P&I payment, total PITI, and a full amortization schedule. Add an extra monthly or lump-sum payment to see exactly how much interest you'll save and how many years you'll shave off your loan.
• Does using this calculator affect my credit score? +

  Not at all. This is a payment estimation tool only. We do not pull your credit report when you use the calculator. A hard credit inquiry only happens if you formally apply for a loan — and even then, we walk you through exactly when and why that occurs.
• What is an amortization schedule and why does it matter? +

  An amortization schedule is a month-by-month breakdown of every payment over the life of your loan. It shows how much goes toward principal versus interest each month. In the early years, most of your payment is interest. Seeing this table helps you understand exactly when extra payments make the biggest impact — and our calculator shows that comparison side by side.
• I'm self-employed — can I still get a mortgage? +

  Yes, and you have more options than you probably think. If your tax returns show low income because of write-offs, FlexPoint offers Bank Statement Loans that qualify you based on your actual deposits — not what your Schedule C says. We've helped hundreds of self-employed borrowers get approved when traditional lenders turned them away.
• How accurate are these monthly payment estimates? +

  The calculator gives you a reliable baseline using standard amortization math. Your actual payment will depend on the interest rate you qualify for, your exact property taxes and insurance, and any PMI if your down payment is below 20%. Contact us for a no-cost personalized quote — it takes less than 10 minutes.