Welcome to our mortgage tools page. Here, you can get an accurate look at your mortgage finances.

Whether you are buying a new home or looking to utilize your current home’s value, the tools on this page will allow you to accurately calculate your available home equity, mortgage eligibility, and monthly payments based on various interest rates.

The first tool is the mortgage payment calculator. The mortgage payment calculator allows you to forecast monthly expenses for your expected mortgage. It can calculate your monthly or total interest payments and monthly or total principal payments to be made over the course of the mortgage. This calculator works for interest-only and amortization-based mortgages.

The second tool is the Loan-to-Value ratio or (LTV) tool. LTV is a term used to describe the value of a loan compared to the total value of your home. Your LTV shows how much equity you have in a property, in most cases this is a primary residence, but the LTV ratio can be used for securing loans from other properties as well. By finding out your LTV, you discover how much equity you have available and what kind of loans you are eligible for. These loans could be used for anything including debt consolidation, home renovations, repairs, and other investments. Generally, the higher the LTV for a loan, the higher the interest rates a lender will charge.

Our next tool is the private mortgage rate estimator. Private lenders are not represented by major financial institutions. They have a variety of practices and requirements related to lending and charging interest, and their mortgages and loans vary depending on who their borrowers are. The private mortgage rate estimator shows the expected rate of interest you might be charged along with your required LTV for mortgage approval from a private lender. 

Getting a mortgage or other loan can be stressful. These mortgage tools can provide the information you need to help you plan ahead and achieve your goals. Use our tools as often as you like! Feel free to call or email us if you have any questions and our staff will be happy to help.

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