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Numbers first. Emotions later.

Three tools that answer the questions people actually ask: what's the payment, what can I afford, and is refinancing worth it? Every figure here is an estimate — call me for a real quote.

Payment Affordability Refinance break-even
Calculator 01

Monthly payment

Principal, interest, taxes, insurance, mortgage insurance and HOA — the full number, not just the part lenders like to advertise.

Home pricePurchase price
$
Down payment $130,000 · LTV 80%
%
Interest rateEstimate only
%
Term
Property tax% / year
%
Home insurance$ / year
$
HOA$ / month
$
Loan type
Calculator 02

What can I afford?

Works backwards from your income and existing debts using a debt-to-income limit — the same lens an underwriter uses.

Household incomeGross / year
$
Monthly debtsCards, auto, student
$
Down paymentCash available
$
Interest rateEstimate
%
Term
Debt-to-income limit

Assumes roughly 22% of your housing budget goes to taxes, insurance and HOA. Actual approval depends on credit, reserves, program and property.

Calculator 03

Refinance break-even

The only question that matters: how many months until the savings pay back the closing costs — and will you still own the house by then?

Current loan balance
$
Current P&I paymentExcl. taxes
$
New interest rate
%
New term
Estimated closing costsLender + title + escrow
$

Note: restarting a 30-year term lowers the payment but can increase total interest paid. Shortening the term is often the better move if cash flow allows.

Ready for numbers you can act on?

Calculators are a starting point. A pre-approval is what actually gets an offer accepted — and it starts with one click.

Start my application 518-390-4333
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Your file isn’t being handed to someone else. Loan Factory is the licensed mortgage company I originate loans under, so the application form lives on their system — but I am the loan officer on your file from the first question to closing.

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Rather ask me first? Call or text 518-390-4333 and we’ll talk it through — you never have to start an application to get an answer.
Loan Factory, Company NMLS #320841 · Rajneesh Bhandari, Individual NMLS #2824532 · Equal Housing Lender.