Mortgage Calculators
Mortgage calculators for real homeowner decisions
Free. No lead capture required to see results. Built by a licensed mortgage broker so the math is honest and the tradeoffs are named, not hidden.
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Pay Off Mortgage vs Invest
Compare paying down your mortgage with extra cash vs investing it. Honest tradeoff math, no winner declared.
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All-in-One / Sweep Mortgage Calculator
See how a first-lien sweep HELOC could lower your effective interest cost by offsetting daily interest with idle cash.
Analysis + Calculator
Is Your Low Rate Costing You?
If you have a great rate AND high-APR credit card debt, your blended cost of debt may be higher than you think.
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Recast vs Refinance vs Paydown
You have a lump sum and a low rate. Three different paths, three different tradeoffs. We show all three.
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ARM vs Fixed Rate
The ARM start rate is tempting. The reset is the question. Break-even math at your numbers with a stress-test on the post-reset rate.
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Bi-Weekly vs Monthly Payment
How much faster does the loan pay off when you make 13 monthly payments per year instead of 12? Honest version included.
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Construction Loan Cost
Interest-only during the build, plus the permanent loan payment after conversion. All-in cost picture.
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Reverse Mortgage Calculator
Estimate HECM principal limit and disbursement options (lump sum, line of credit, tenure, term) based on age and home value.
Live Pricer
Live Rate Pricer
Run a live wholesale rate scenario in seconds. No personal info required.
Why Rate Direct calculators are different
- No lead capture required to see results. Run your numbers without handing over an email, phone, or SSN. Contact forms are optional and never gate the math.
- The math is documented inline. Each calculator explains the formulas it uses and the assumptions it makes, so you can audit the result instead of trusting a black box.
- Balanced. No winner declared. These tools surface tradeoffs, not recommendations. Liquidity, fixed vs adjustable, and certainty vs upside are named honestly so you can decide.
- Built by a licensed mortgage broker. Jennifer Kirby, NMLS# 2672337. Full agency and non-QM coverage. The calculators are the same ones used inside live client conversations.
These tools are for illustration only and do not provide investment, tax, or legal advice. Consult your own financial, tax, and legal advisors before making decisions. Estimates only. Not a commitment to lend. All loans subject to qualification. Equal Housing Opportunity.
Questions? Email info@ratedirect.net. Same-day responses during business hours.
Jennifer Kirby, NMLS# 2672337. Loan Factory Inc, NMLS# 320841. Equal Housing Opportunity. Not a commitment to lend.