Mortgage Tools & Calculators
Free tools to help you make smarter mortgage decisions. No sign-up required — just real math with real numbers.
Rates
Rate Tool
Live mortgage rates across a network of lenders. See rate, points, payment, and lender credits side by side.
Search Rates →NewRates
Rate Alerts
Save a rate scenario and get periodic updates when rates change — reviewed by your loan officer before every email.
Set Up Alerts →Purchase
Purchase Calculator
Estimate your monthly payment, cash to close, and how much home you can afford.
Calculate →NewPurchase
Affordability Calculator
Start with your budget — enter income, debts, and savings to see the home price you can comfortably afford, priced against today's real rates.
Calculate →NewRefinance
Refinance Calculator
Four ways to structure a refinance — powered by today's lender rates. See real cash flow, not just monthly savings.
Calculate →Refinance
Refi Recoup Analyzer
Is refinancing worth it? Enter your current loan and we'll show the break-even timeline and total savings.
Analyze →Refinance
Cost of Waiting
What does it cost you every month you don't refinance? See the real number with your loan details.
See the Cost →Investment
DSCR Calculator
Investment property? Enter rental income and expenses to see if your deal qualifies for a DSCR loan.
Calculate →Equity
Reverse Mortgage
Curious how much equity a reverse mortgage could unlock? Get a personalized estimate from a NetRate Mortgage loan officer.
Get an Estimate →Equity
Get Cash Out: Compare Your Options
What's the cheapest way to get cash out of your house? Compare keeping your low first mortgage + a 2nd lien vs. a cash-out refi — with live cash-out rates.
Compare →All tools are free and require no account. Built by NetRate Mortgage — a licensed broker that shops lender rates on your behalf.