Home Buyers | Sellers | Lenders | Realtors®

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Homebuyers and real estate agents can calculate the buyer's closing costs with the home loan calculator (a.k.a. buyer's cost sheet) seven days a week, night or day! - anytime! This web calculator will estimate the down payment, mortgage amount, and closing costs for FHA, VA, USDA and conventional home loans. Why wait on a lender?

You can estimate the seller's closing costs and net proceeds with the seller's closing cost calculator. The seller's calculator will estimate the ideal list (or sales) price from the seller's desired "net" . . . and you can do it online . . . Anytime!

If you're a home buyer seeking a mortgage loan, learn about FHA, VA, USDA and conventional financing. In addition to the mortgage calculators, you will find a variety of information (and links) that I believe you'll find interesting. Please send me an e-mail if you desire a calculator not featured. I'm always looking for ideas.

What is an FHA loan?

FHA loans are mortgages that are "insured" by the Federal Government. The benefits of FHA loans include low down payment, lower credit score requirements and allowable seller paid closing costs.

What is a Conventional Loan?

Conventional mortgages are loans that are not guaranteed or insured by any Federal Government agency, specifically, the Federal Housing Administration (FHA loans), United States Department of Agriculture (USDA loans) and Veterans Administration (VA loans).

Conventional mortgages are also known as "conforming" loans because they "conform" to the maximum lending limit and underwriting guidelines of the companies. ►Learn more

What is a USDA home loan?

USDA logo

Did you know that the Department of Agriculture offers a home loan with NO down payment?
That's right, 100% financing ! ! !
► Learn more

►USDA Loan Calculator

VA home loan

NO down payment with a veteran loan!
That's right, 100% financing! -
►Learn more

HOME BUYERS

Home buyers with daughter Home buyers, you can find a variety of calculators and home buying information on the BUYER PAGE

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Understanding Home Buying

Are you eligible for special financing? - First Time Programs
Become an informed home buyer - Buying Tips
Estimate your "ideal" mortgage payment
Questions & answers on home buying - FAQ on Home Buying
What are "closing costs?
What are points?
What is a credit score?
What is a HUD home?
What is a reverse mortgage?
What is a seller assist?
What is a stated income mortgage?
What is an adjustable rate mortgage?
What is an appraisal?
What is APR?
What is a deed transfer tax & how much is it?
What is per diem interest?
What is pmi?
What is title insurance & how much is it?

Understanding Credit

Can credit repair companies help?
Can you fix bad credit?
Common Myths of Credit Repair
Consecutive late payments on my credit report
Credit agencies and consumer information
Credit report explanation and credit bureaus
Does Credit Repair Really Work?
How Bad Credit Affects You
How to repair negative credit report
Is it possible to delete bad credit from a credit report?
Many credit report inaccuracies can be attributed to human error
Marriage and credit
The Fair Credit Reporting Act (FCRA)
Understanding Your Credit Score
What can credit repair companies do for you?
You Can Prevent Credit Card Fraud and Identity Theft

Prequalify for a home loan!

Complete the following form and get matched to a home loan lender who will prequalify you for a new home loan (or the refinancing your existing mortgage).