See what you can do, in real numbers
Buying a home, using your equity or financing a rental. Move the sliders and watch your numbers change. No email needed, no credit check.
Your income and savings
Before taxes, everyone on the loan.
Minimums on cards, car and student loans. Not rent or utilities.
Adjust the assumptions
Tax and insurance start from a rough figure for the state you pick. Use your own quotes when you have them.
Your home today
All loans on the home together.
Your mortgage and the line together. It depends on the lender and your credit.
Adjust the assumptions
HELOC rates are usually variable. During the draw period many lines ask for interest only.
The property and its rent
From the lease, or what similar rentals nearby bring in.
Adjust the assumptions
DSCR rates usually sit above owner occupied rates. Lenders use the lease or the appraiser’s market rent.
Want Laurie to check your numbers?
Your estimate goes with your details, so the call starts where you left off.
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Pick a time for your free 15 minute call with Laurie
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About this calculator
How is the estimate worked out?
For a home, we take the payment your income can carry after your debts, including principal and interest, property taxes, insurance, mortgage insurance and association dues, and find the price that payment buys. For equity, we take the share of your home’s value lenders may lend against and subtract what you owe. For a rental, we divide the rent by the full monthly payment.
Why two prices, comfortable and stretch?
Comfortable keeps your housing payment near a quarter of your income and all your debts near a third. Stretch is closer to what some programs allow. Many buyers sleep better in the comfortable range, and Laurie can tell you what your file supports.
Where does the rate come from?
It is an example for the math, not a quote. Rates change every day and depend on your credit, the property and the program. Change it to test other scenarios, or ask Laurie where rates are today.
Is this a loan approval?
No. It is an estimate based only on the figures you enter. Nobody checks your credit here. An approval needs an application, documents and a lender’s review.
What should I do next?
Send your details below and pick a time for a free call. Laurie looks at your real numbers with you, in Florida, Indiana and Texas, and tells you honestly what fits.
Stark Processing is a brand of From Stark to Finish Processing Inc, 115 Laurel Way, Royal Palm Beach, FL 33411. Phone (561) 374-4384. Company NMLS #1633608 | GA Mortgage Broker/Processor License #57290.
Laurie Ann Longhi, Mortgage Loan Originator, NMLS #336981. FL License #LO11695 | IN License #78801 | TX NMLS #336981
Equal Housing Opportunity
This is not a commitment to lend. Loan programs, terms and approval depend on credit, income, property and other factors.