RealtyPro

Complete Financial Tools

Professional-grade calculators, real-time rates, and comprehensive financial planning tools for your real estate journey

Mortgage Calculator Refinance Analysis Affordability Calculator Investment Analysis Real-time Rates

Live Mortgage Rates

Updated every hour • Based on 760+ credit score

Last updated: 2 minutes ago

30-Year Fixed

6.89%

0.12%

vs yesterday

APR: 7.02% • Payment: $2,645/mo

15-Year Fixed

6.13%

0.08%

vs yesterday

APR: 6.28% • Payment: $3,524/mo

5/1 ARM

6.21%

0.05%

vs yesterday

APR: 7.85% • Payment: $2,681/mo

Jumbo 30-Year

6.95%

0.10%

vs yesterday

APR: 7.08% • Payment: $2,986/mo

30-Year Rate Trend

Mortgage Payment Calculator

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Advanced Options
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Monthly Payment Breakdown

Amortization Schedule

Year Principal Interest Balance

Your Monthly Payment

$2,974

Total Monthly Payment

Principal & Interest $2,424
Property Tax $450
Home Insurance $150
HOA Fees $0
PMI $150
Loan Amount $360,000
Total Interest Paid $512,640
Total Paid $872,640
Compare Lenders

How Much House Can I Afford?

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Debt-to-Income Ratios

Front-end DTI (Housing)

28%

Recommended: ≤ 28%

Back-end DTI (Total)

36%

Recommended: ≤ 36%

Income vs Housing Costs

You Can Afford

$325,000

Maximum Home Price

Monthly Payment $1,750
Loan Amount $275,000
Required Income $75,000
Tips
  • • Consider a 20% down payment to avoid PMI
  • • Budget for closing costs (2-5% of home price)
  • • Leave room for emergencies and maintenance

Refinance Analysis

Current Loan

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%

New Loan

%
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Break-Even Analysis

Refinance Benefits

Monthly Savings

$248

Break-Even Time

2.7 years

Total Interest Savings

$89,760

Current Payment $2,224
New Payment $1,976
Monthly Difference -$248
Recommendation

Refinancing could save you money. Consider the break-even period.

Real Estate Investment Analysis

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10-Year Investment Projection

Investment Metrics

Cap Rate

6.9%

Cash-on-Cash ROI

8.2%

Monthly Cash Flow

+$478

Gross Rent Multiplier 10.4
Debt Service Coverage 1.31
Break-even Occupancy 72%

10-Year Projections

Total Cash Flow $57,360
Property Value $470,434
Total ROI 247%

Compare Loan Options

Loan Details Option 1 Option 2 Option 3
Loan Amount
Interest Rate (%)
Term (Years)
Closing Costs
Monthly Payment $2,303 $2,273 $3,064
Total Interest $479,080 $468,280 $201,520
Total Cost $836,080 $823,780 $560,020

Loan Comparison Chart

Partner with Top Lenders

Compare rates from our verified lending partners

QuickLoans Pro

(4.9) • 1,247 reviews
Best Rate
30-Year Fixed 6.65%
15-Year Fixed 5.85%
APR 6.78%
Min Down Payment 3%

Key Features

  • 24/7 online application
  • 5-minute pre-approval
  • No origination fees
  • Rate lock guarantee

Premier Bank

(4.3) • 892 reviews
Traditional
30-Year Fixed 6.89%
15-Year Fixed 6.13%
APR 7.02%
Min Down Payment 5%

Key Features

  • Local branch support
  • Dedicated loan officer
  • Flexible underwriting
  • Multiple loan programs

Digital Lending

(4.7) • 2,105 reviews
Digital First
30-Year Fixed 6.79%
15-Year Fixed 6.05%
APR 6.92%
Min Down Payment 3%

Key Features

  • 100% digital process
  • Instant pre-approval
  • AI-powered underwriting
  • Rate lock technology

Get personalized rates from all lenders in one place