Mortgage Calculator — Estimate Your Loan Payments

Use our free mortgage calculator to estimate your monthly mortgage payments and plan with confidence. Whether you’re buying your first home, refinancing, or comparing loan options, this tool works for conventional, FHA, VA, non-QM, and more. Enter your details to see an instant estimate and start planning your next move.

What inputs should I use?
Enter home price, down payment (dollars or %), rate, and term in years. Add property tax, insurance, HOA, and PMI if they apply. Loan amount = price minus down payment.
Why is my payment higher than expected?
Payment includes principal, interest, property tax, homeowners insurance, HOA, and PMI when down payment is under 20%. VA loans usually have no monthly PMI. Taxes and insurance raise the total.
Do I need PMI?
PMI applies when down payment is under 20% on most conventional loans. VA loans have no monthly PMI. PMI can be removed around 20% equity, subject to lender rules.
How do bi-weekly payments help?
26 half-payments per year = 13 full payments. That cuts interest and shortens the term. The calculator shows the savings.
What programs fit self-employed or small business owners?
Non-QM and bank statement loans, 1099 programs, DSCR for investors, plus VA/FHA/conventional where eligible. We match the program to your documentation and goals.
How accurate are these numbers?
Estimates only. Final terms depend on credit, income, assets, property, and program guidelines. Get a custom quote for exact numbers.

5559 S Sossaman Rd, Bldg 1, Ste 101

Mesa, AZ 85212

Copyright@2024 | NEXA Lending LLC

Company State LIcense # AZMB -0944059

Corporate NMLS# 1660690

Debra Hubka,

Mortgage Loan Originator

NMLS # 2722960

Debra Hubka provides mortgage guidance and loan origination services, assisting consumers with home purchase financing, refinancing, and real estate investment property loans through third-party lenders. Debra Hubka is an independent mortgage loan originator. Loans originated through NEXA Lending, LLC.

For inquiries, please contact:

📧 [email protected]

📱 +1 205-860-6453

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