US mortgage tools.
Run the numbers on a conventional loan, watch this week’s rates by state, and compare loan types side-by-side. Then see how a Re-lo creative-finance deal stacks up to a fresh mortgage today.
Mortgage calculator
Full PITI breakdown with PMI, FHA MIP, VA funding fee, taxes, insurance, HOA.
CalculateLatest rates by state
National averages across 6 loan products + state-by-state adjustments and a 12-week trend.
View ratesCompare loan types
Plug in a home price and down payment — see monthly P&I for 30-yr, 15-yr, ARM, FHA, VA.
CompareWhy terms beat price
See why a lower sticker price can cost more than a subject-to or seller-financed structure.
Learn the mathA quick map of what’s out there.
Most US buyers default to the 30-yr fixed without realizing there are 7 other doors. Pick the structure that fits the property, not the other way around.
30-yr Fixed
The US default. Predictable monthly carry over 360 payments. Best for buy-and-hold.
15-yr Fixed
Higher monthly payment, dramatically less interest. Common for refi and 2nd-home buyers.
7/1 ARM
Fixed for the first 7 years, then floats annually. Cheaper start; pricier later.
FHA 30-yr
Lower down-payment minimum (3.5%). Annual MIP runs for the life of most loans.
VA 30-yr
Zero down, no PMI, for eligible veterans + active-duty. One-time funding fee.
USDA Rural
Zero down for qualifying rural properties + income brackets. Often overlooked.
Jumbo 30-yr
Above the conforming limit ($766,550 in most US counties, more in CA / HI / DC).
Non-QM / Bank Statement
Self-employed and entrepreneurial buyers. Underwrites cashflow vs W-2 income.
The cheapest mortgage is the one you don’t take.
Subject-to and assumable deals let you take over the seller’s existing mortgage at the rate they locked years ago — often 2 to 4 points below today. Run a traditional mortgage in our calculator, then watch the subject-to sidebar show you the gap.