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Calculators
Six of them, built to be accurate rather than flattering, and a couple of them will tell you not to do the thing. The rent-vs-buy one regularly recommends renting, and the buydown one will tell you to skip the points.
Monthly payment
The full payment, meaning principal, interest, taxes, insurance, mortgage insurance and HOA, rather than just the part lenders quote you.
Affordability
Works backwards from your income, your debts and your down payment, using the debt-to-income limits lenders actually apply.
Rent vs. buy
Counts maintenance, selling costs, and what your down payment would have earned if you had invested it. The honest version.
Buydown comparison
Permanent points versus a 2-1 temporary buydown, with the breakeven that nobody puts in the pitch.
Refinance breakeven
Your monthly savings, and what restarting a thirty-year clock quietly does to your lifetime interest.
HELOC vs. cash-out
If you have a mortgage from 2021, this is the most important calculation on the site.
None of these can see your file
They run on assumptions and averages, and your real numbers depend on credit, property, occupancy and program, which is the part I do. Send me what you're actually looking at and I'll replace the estimates with figures you could close on.