Question 1

How much house can I afford?

Accepted Answer

Use our affordability calculator to estimate your maximum purchase price based on income, debts, and down payment. Most lenders prefer a DTI ratio under 43%.

Question 2

What is included in a monthly mortgage payment?

Accepted Answer

A typical payment includes principal, interest, property taxes, and homeowners insurance (PITI). If your down payment is less than 20%, private mortgage insurance (PMI) may also apply.

Question 3

Should I refinance my mortgage?

Accepted Answer

Refinancing can save money if current rates are lower than your existing rate. Use our refinance calculator to find your break-even point and total savings.

Question 4

Is it better to rent or buy a home?

Accepted Answer

It depends on how long you plan to stay, local market conditions, and your financial situation. Our rent vs buy calculator compares total costs over 5 and 10 years.

Question 5

What are typical closing costs in California?

Accepted Answer

California closing costs typically range from 2-5% of the purchase price, including escrow fees, title insurance, appraisal, and lender fees. Use our closing cost estimator for a detailed breakdown.

Mortgage Calculator Suite

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🏠 How Much House Can I Afford?

💰 Refinance Savings

🏘️ Rent vs Buy

📋 Closing Cost Estimator

📊 DTI Calculator

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