Free mortgage calculators

Free mortgage calculators for buyers and homeowners.

Estimate a mortgage payment, rough buying power, refinance break-even timing, and possible reverse mortgage proceeds before you ask a mortgage professional about current options. The numbers are only a starting point, but they help you ask a better question.

Check rates for this scenario Start my request Apply Now Use free calculators Ask a question

No hard credit pull to askHome Loan Matcher does not pull credit for a question or rate request.Atlas Harbour ownedHome Loan Matcher is owned by Atlas Harbour and keeps a clear opt-in trail.All 50 statesRequests can include purchase, refinance, FHA, VA, conventional, cash-out, and reverse mortgage scenarios.Not a lenderRates, terms, approval, and availability require mortgage professional or lender review.

Ready for a personal follow-up?

Check rates for this scenario.

Send the basics from this page and Stephen will see the request in the HomeLoanMatcher command center. The form keeps the source page and opt-in language with the inquiry.

Name Phone State Purpose Loan type Credit range Loan amount Best time

By clicking the button or submitting your information, you opt in to be contacted by Home Loan Matcher, Atlas Harbour, or a mortgage professional regarding your inquiry by phone, text, or email. Message and data rates may apply. You can opt out at any time on the opt-out page.

Crawlable rate reference

Public mortgage rate snapshots for comparison.

These examples use a $350,000 principal-and-interest-only loan so visitors and search engines can understand the rate context before a personal follow-up request.

Refreshed May 30, 2026

Mortgage News Daily

Daily index

6.65%

Loan: 30-year fixed index
APR: See source
$350k P&I: $2,247/mo

Fallback from last public check.

Source: Mortgage News Daily

Mortgage News Daily

Daily index

5.94%

Loan: 15-year fixed index
APR: See source
$350k P&I: $2,942/mo

Fallback from last public check.

Source: Mortgage News Daily

Freddie Mac national average

Weekly survey

6.51%

Loan: 30-year fixed
APR: See source
$350k P&I: $2,215/mo

Fallback from last public PMMS check.

Source: Freddie Mac PMMS

Florence Bank

0 points

6.125%

Loan: 30-year fixed
APR: 6.265%
$350k P&I: $2,127/mo

Fallback from last public lender PDF check.

Source: Florence Bank rates

Public examples only. Home Loan Matcher is not a lender and does not guarantee rates, terms, approvals, availability, or pricing. Actual options depend on borrower, property, program, points, fees, location, lock timing, and lender review.

Monthly mortgage payment calculator

Estimate principal and interest from a home price, down payment, interest rate, and loan term. Taxes, insurance, HOA dues, mortgage insurance, and lender fees are not included.

Home affordability calculator

Use income, monthly debts, down payment, and a sample rate to build a rough purchase range before a lender reviews your complete file.

Refinance break-even calculator

Compare current payment, possible new payment, and estimated closing costs to see how many months of savings may be needed to recover costs.

Reverse mortgage proceeds estimator

Use age, home value, mortgage payoff, expected rate, and costs to frame a HECM or reverse mortgage question before professional review.

Common questions

Are these mortgage calculators exact quotes?

No. They are educational estimates and do not include every tax, insurance, fee, point, mortgage insurance, or lender guideline.

Can I use the calculators for FHA, VA, conventional, and reverse mortgage questions?

Yes, they can help frame FHA, VA, conventional, purchase, refinance, cash-out refinance, and reverse mortgage scenarios, but actual terms require professional review.

What should I do after using a calculator?

Use the guided request to share your state, loan goal, property type, occupancy, loan amount, credit range, and timeline.