Calculators
Free mortgage calculators.
Directional math for payment, affordability, and rent-vs-buy decisions.
Dr. Rate checkDirectional math first. File review before decisions.
Estimated monthly
$3,157
Principal, interest, tax, and insurance
Loan amount$382,500
Principal & interest$2,545
Property tax / mo$413
Insurance / mo$200
Total interest$533,622
Guides
The plain-English deep dives.
Self-Employed Mortgage Guide
Bank-statement, 1099-only, P&L. Every program a 1099-er should know about.
First Investment Property
How DSCR loans actually work — and when they don't.
First-Time Homebuyer in FL
FHA vs Conventional 3% vs USDA. Which one wins your file.
When (and when NOT) to Refinance
The break-even math no broker shows you.
Real numbers
Calculators are directional. We're the answer.
Send your scenario. We come back with the real number — APR, payment, cash to close — across 40+ lenders, inside 24 hours.
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Dr. Rate says: send the numbers and we will check the file.