Free Mortgage Calculators & Tools

Estimate payments, check your ratios, see where rates have been, and find out which loan programs you may fit — no account needed. Built by The Loan Officer, a loan-matching marketplace for non-QM, DSCR, bank-statement and hard-money lending.

• Mortgage Payment Calculator

  Estimate a full monthly mortgage payment — principal, interest, property tax and insurance (PITI) — from a loan amount and rate. Free, no sign-up.

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• Debt-to-Income (DTI) Calculator

  Calculate your debt-to-income ratio from monthly gross income and monthly debt payments, and see how lenders read the result. Free, no sign-up.

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• Loan-to-Value (LTV) Calculator

  Calculate loan-to-value from a loan amount and property value, and learn why LTV drives mortgage insurance and pricing. Free, no sign-up.

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• Max Loan Amount Calculator

  Estimate the largest mortgage your income and monthly debts may support at a given rate and DTI limit. Free, no sign-up.

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• Self-Employed Income Estimator

  Estimate how much mortgage your self-employed income may support, and learn how lenders read business income, bank statements and 1099s. Free, no sign-up.

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• Loan Program Finder

  Answer a few questions about your goal, credit, income, savings and debts to see which loan programs — conventional, FHA, VA, USDA, DSCR, bank-statement and more — you may fit. Free, no sign-up.

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• Mortgage Rate Trends

  Weekly national average mortgage rates for 30-year and 15-year fixed loans from the Freddie Mac survey as published on FRED, with history charts going back up to five years.

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The Loan Officer is a loan-matching marketplace, not a lender or mortgage broker. It does not set rates, make credit decisions, or originate loans. Equal Housing Opportunity.