Are Lender Trust Hub calculators free?

Yes. All calculators are free, require no sign-up, and provide educational estimates only.

How does Match Me to Lenders work?

After calculating your payment or affordability, Match Me filters our NMLS-verified directory by loan type, credit tier, and your estimated loan profile. We never accept paid placements.

Do calculators include PMI and property taxes?

The Mortgage Payment calculator includes full PITI with state-average property tax presets, homeowners insurance, HOA, and auto-calculated PMI when LTV exceeds 80%.

Transparent Tools · Trusted Guidance · Confident Decisions

Mortgage & Home-Finance Calculators

Nine professional calculators with live charts, export options, and intelligent Match Me to Lenders integration — zero paid placements, always.

Free · No sign-up · Educational tools · NMLS-verified lender matching

Mortgage Payment (PITI)

Full PITI with taxes, PMI, charts, amortization & extra payments.

Home Affordability

Max home price from income, debts, and DTI guidelines.

Refinance Savings

Breakeven months and lifetime interest comparison.

Payoff Planner

Extra payments, lump sums, and interest saved.

Loan Comparison

Compare 2–3 scenarios side by side.

Rent vs. Buy

Net worth projection and break-even year.

HELOC / Equity

Borrowing power and payment scenarios.

Down Payment Planner

Savings timeline with growth projections.

Rental Cash Flow

Cap rate, cash-on-cash, and 5-year projection.

DTI Analyzer

Front/back-end ratios with lender-ready guidance.

Closing Costs

Estimate fees before you shop lenders.

Lender Directory

Search vetted mortgage lenders and brokers by state/county.

Browse Lenders

12,450+

Directory listings*

2.8M

Review signals analyzed*

Expanding

County coverage

NMLS · CFPB · BBB · Google · Trustpilot

Data source classes

*Research directory signals — not a guarantee of complete national coverage. See methodology.

How Calculators Connect to Verified Lenders

Calculate Your Numbers

Use sliders and presets (including Florida first-time buyer examples) to model payments, affordability, refinance savings, and more.

Match Your Profile

Every tool ends with Match Me to Lenders — we pass your estimated loan amount, rate, and loan type to filter NMLS-verified brokers and lenders.

Compare by County

Enter your ZIP on any page to see county-level Trust and Experience scores. Cross-check FDIC banks for deposit safety.

Calculator FAQ

Are these calculators free?

Yes — all tools are free, require no account, and update in real time as you adjust inputs.

How accurate are the estimates?

These tools provide estimates for educational purposes only. Actual rates, fees, terms, and approvals vary by lender, credit profile, property, and market conditions. Always consult a licensed mortgage professional.

What does Match Me to Lenders do?

It filters our independent, NMLS-verified directory using your calculated loan profile — loan type, estimated amount, and credit tier. We never accept paid placements.

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