Mortgage Tools & Calculators
Free tools to help you make smarter mortgage decisions. No sign-up required — just real math with real numbers.
Rate Tool
Live mortgage rates across 11 lenders. See rate, points, payment, and lender credits side by side.
Search Rates →NewRate Alerts
Save a rate scenario and get periodic updates when rates change — reviewed by your loan officer before every email.
Set Up Alerts →Purchase Calculator
Estimate your monthly payment, cash to close, and how much home you can afford.
Calculate →NewRefinance Calculator
Four ways to structure a refinance — powered by today's wholesale rates. See real cash flow, not just monthly savings.
Calculate →Refi Recoup Analyzer
Is refinancing worth it? Enter your current loan and we'll show the break-even timeline and total savings.
Analyze →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 →DSCR Calculator
Investment property? Enter rental income and expenses to see if your deal qualifies for a DSCR loan.
Calculate →Reverse Mortgage Calculator
See how much equity you could access with a reverse mortgage. Age, home value, and rate — that's all we need.
Estimate →Second Lien Comparison
Compare HELOC vs. home equity loan side by side to find the best option for your situation.
Compare →All tools are free and require no account. Built by NetRate Mortgage — a licensed broker that shops wholesale rates on your behalf.