How Much Do I Qualify For? | Free Mortgage & Loan Calculators

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Every calculator is free, instant, and built for real borrowers — not just generic estimates.

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Mortgage Payment

Monthly payment with tax, insurance & PMI

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Affordability

How much home can you qualify for?

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Refinance Analysis

Break-even, savings & amortization

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Debt-to-Income

Front-end & back-end DTI with gauge

Lenders check this

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Extra Payment

How much time & interest you save

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Rent vs. Buy

True 5-year cost comparison

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DSCR Calculator

Investment property cash flow analysis

Investors

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SBA Loan

7(a) & 504 payment estimator

Business

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Business Qualifier

Overall business loan readiness score

Business

Mortgage Payment Calculator

Estimate your full monthly payment including taxes and insurance

Home Price ($)

Down Payment ($)

Interest Rate (%)

Loan Term

Property Tax ($/yr)

Home Insurance ($/yr)

Total Monthly

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All-in payment

Principal & Interest

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Loan payment

Tax + Insurance

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Monthly escrow

Total Interest

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Over loan life

Year	Principal	Interest	Balance

Results are estimates. Actual payments may vary. PMI applies when down payment is under 20%. CA DRE #01480904 · NMLS #300923

Gross Monthly Income ($)

Monthly Debts ($)

Down Payment ($)

Interest Rate (%)

Loan Term

Max DTI

Max Home Price

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Estimated purchase price

Max Loan Amount

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Based on DTI

Max Monthly Payment

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P&I only

DTI Used

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Of gross income

Qualification depends on credit score, loan type, reserves, and lender guidelines. Contact SI MTG for a personalized pre-qualification.

Current Loan

Current Balance ($)

Current Rate (%)

Remaining Term (yrs)

New Loan

New Rate (%)

New Term

Closing Costs ($)

Current Payment

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Per month

New Payment

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Per month

Monthly Savings

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In your pocket

Break-Even

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Months to recover costs

Year	Principal	Interest	Balance

For illustrative purposes only. CA DRE #01480904 · NMLS #300923

Gross Monthly Income ($)

Proposed Mortgage P&I ($)

Property Tax ($/mo)

Home Insurance ($/mo)

Car Payments ($/mo)

Credit Cards / Other ($/mo)

Front-End DTI

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Housing costs only

Back-End DTI

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All debts

Total Housing

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Per month

Total All Debts

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Per month

0%28%43%65%+

Front-end DTI: housing ÷ income. Back-end DTI: all debts ÷ income. FHA allows up to ~57% back-end with compensating factors.

Loan Balance ($)

Interest Rate (%)

Remaining Term (yrs)

Extra Payment / Month ($)

Interest Saved

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Total savings

Time Saved

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Years & months early

Original Payoff

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Without extra

New Payoff

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With extra payment

Assumes extra payment applied to principal. Verify with your lender that extra payments are credited correctly.

Home Price ($)

Down Payment ($)

Mortgage Rate (%)

Monthly Rent ($)

Appreciation (%/yr)

Years to Compare

Buy — Net Cost

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After equity & appreciation

Rent — Net Cost

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Total rent paid

Equity Built

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From buying

Appreciation Gain

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Estimated home value gain

Simplified model. Does not include maintenance, HOA, or tax deductions. Consult SI MTG for a personalized analysis.

Gross Rental Income ($/mo)

Vacancy Rate (%)

Operating Expenses ($/mo)

Loan Amount ($)

Interest Rate (%)

Loan Term

DSCR Ratio

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Target: ≥ 1.25

Net Operating Income

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Per month

Debt Service

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Monthly payment

Effective Gross Income

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After vacancy

DSCR = NOI ÷ Annual Debt Service. Most lenders require 1.20–1.25 minimum. CA DRE #01480904 · NMLS #300923

Loan Amount ($)

SBA Program

Interest Rate (%)

Loan Term

Down Payment (%)

Use of Funds

Monthly Payment

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Estimated

Down Payment

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Required equity

SBA Guarantee Fee

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Est. ~2.77%

Total Interest

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Over loan life

Year	Principal	Interest	Balance

SBA 7(a) variable rate = WSJ Prime + spread. Verify current Prime rate. CA DRE #01480904 · NMLS #300923

Personal Credit Score

Years in Business

Annual Revenue ($)

Annual Net Profit ($)

Monthly Debt Payments ($)

Collateral Available

Avg Bank Balance (months)

Any Bankruptcies (7 yrs)?

Business Loan Readiness

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Score is for planning only and does not represent a credit decision. Contact SI MTG for a full assessment.

Why SI MTG

Not just a calculator. A coaching team.

Unlike generic calculator sites that send you nowhere, every result here connects you with a licensed mortgage coach.

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30+ Loan Programs

FHA, Conventional, NonQM, DSCR, Bank Statement, ITIN, Foreign National, SBA, Hard Money — one place.

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15-Day Average Close

Residential loans closed in as few as 15 days. Commercial 50 days. We anticipate every hurdle before it happens.

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Lowest Yield Spread

We shop 50+ lenders to get you the most competitive rate available. You always get our best, not just a bank's best.

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Every Borrower Welcome

ITIN? Foreign national? Self-employed? Low credit? We've closed loans that 3 other lenders refused. We find your path.

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Full SBA Coaching

First-time SBA borrowers coached start to finish. Business plan, projections, lender narrative — we handle it all.

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Free Monthly Seminars

Education first. No pressure. Monthly workshops for first-time buyers, investors, SBA applicants, and more.

Ready to move forward?

Every Borrower Has a Path. We Find Yours.

You've run the numbers. Now let a licensed SI MTG coach review your scenario, find the best program, and get you to close fast.

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CA DRE #01480904 · NMLS #300923 · Equal Housing Lender · 44840 S Grimmer Blvd, Fremont CA 94538