See Your Real Mortgage Numbers — No Account Needed

Free mortgage calculators powered by live Freddie Mac rates. Payment estimator, budget builder, rent vs own, and more. No login required. Mortgage loans originated through CliffCo Mortgage Bankers.

Mortgage Calculators & Tools

• Payment Estimator — Calculate your monthly mortgage payment with live rates
• Budget Builder — How much house can you afford?
• Rent vs Buy Calculator — Compare the real cost of renting vs buying
• Refinance Calculator — Should you refinance?
• VA Loan Calculator — VA loan payment calculator with funding fee rates
• DSCR Deal Analyzer — Analyze rental property cash flow and DSCR ratio
• Self-Employed Income Calculator — See what a lender counts from your Schedule C, S-Corp, or rental income
• Fix & Flip Deal Analyzer — Calculate fix and flip funding, profitability, and ARV
• Net Proceeds Calculator — Estimate your home sale proceeds
• Cash Flow Budget Planner — 90-day cash flow forecast
• Tax & Insurance Preview — See how property taxes and insurance affect your payment
• Property Tax Lookup — Look up property tax rates by zip code
• Home Insurance Estimator — Estimate homeowners insurance costs by risk factors
• Homeowner Cost Check — The real monthly cost of owning a home

Resources

• First-Time Home Buyer Guide
• Home Buyer Resources
• Homeowner Tools
• Real Estate Agent Partners
• Blog — Mortgage Tips & Market Updates
• Loan Estimate Review — Get a free second look at your Loan Estimate