Mortgage Calculators
Use our interactive calculators to estimate your payments, analyze investment properties, and see how much you can save by refinancing.
How Much Can I Afford?
Estimate your monthly mortgage payments including taxes, insurance, and HOA fees to see how much home fits your budget.
Mortgage Calculator
Estimate your complete monthly mortgage payments
Rent vs. Buy Calculator
Compare the long-term financial impact of renting versus buying a home to see which option makes the most sense for you.
Rent vs. Buy Calculator
Compare long-term costs of renting versus buying over 10 years
Cost of Renting (10 yrs)
$343,916
Net Cost of Buying (10 yrs)
$214,510
Break-Even Point
Year 3 - Year 4
Buying builds long-term wealth!Renting Assumptions
Buying Assumptions
Refinance Savings Calculator
See if refinancing makes sense for you by comparing your current mortgage with a new loan to calculate potential monthly savings.
Refinance Calculator
Calculate potential monthly savings by lowering your interest rate
$1,896
$1,703
$193/mo
Investment Property (DSCR) Calculator
Analyze investment properties using the Debt Service Coverage Ratio (DSCR). See if the expected rental income qualifies for an investor loan.
Investment Property (DSCR) Calculator
Debt Service Coverage Ratio = Gross Monthly Rent / Total PITIA Payment
Acceptable DSCR - Cash Flow Positive
Extra Payment Savings Calculator
See how much time and interest you can save by making additional monthly payments towards your principal balance.
Extra Payment Savings Calculator
Calculate interest and years saved by paying extra toward principal
$68,042
4y 9m
HELOC & Home Equity Calculator
Calculate how much equity you can tap into and estimate your monthly payments for a Home Equity Line of Credit or Home Equity Loan.
HELOC & Home Equity Calculator
Estimate maximum tapable equity and monthly payments for HELOCs or Home Equity Loans
$100,000
Free Home Value Estimator
See an instant estimated value of your home — a great starting point for a refinance, cash-out, or home equity conversation.
Find Out How Much Your Home Is Worth
Enter your address above to instantly view the estimated value of your home.
Ready to Get Started?
Get pre-approved fast or request a personalized rate quote.
What Our Clients Say
Real feedback from Minnesota, Wisconsin, North Dakota, and Florida homebuyers and refinancers.
"Amazingly Helpful"
I have yet to actually buy a house myself, mostly due to my own questions on what I want, but Jay came highly recommended from a trusted co-worker. He has helped me through multiple choices, questions, potential properties, and helped my sister with her mortgage too. I would highly recommend Jay and his team!
"Seamless Home Buying Experience"
Jay and Madeline were incredible to work with from start to finish. As first-time homebuyers, we had endless questions and they walked us through every option patiently. They found us a rate we couldn't get anywhere else and closed right on schedule!
"Engaged and Responsive!"
THANK YOU to Molly and the Jay Dacey Team! During a refinance of my mortgage loan for lowering my interest rate, lowering my mortgage payment, and squaring away my escrow account! Engaged and responsive! Handled a difficult purchase previously and executed flawlessly.
Read All 200+ Verified Client Reviews
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