It’s not about the interest rate. It’s about the strategy.

Paste a listing, confirm the property facts, structure the mortgage, and share an illustration your buyer or real estate agent can adjust.

Date the rate. Marry the house.Refinancing later is never guaranteed—today’s structure still has to make sense.

Property

Built for iPhone

Listing link or copied listing detailsPaste a listing link to identify the property.

Property addressPurchase priceMissing$Loan amount$Auto-calculatedPurchase price minus the selected down payment.First-time homebuyerUnlocks special-program 1% and 2% illustrations. Eligibility, income limits, homebuyer education, and any assistance or secondary financing must be confirmed.Down paymentEnter the purchase price to calculate the loan and mortgage insurance.

Down payment$05.00% of purchase price

Loan amount$00.00% loan-to-price

Total monthly payment$0.00P&I + taxes + insurance + HOA

Annual property taxesMissing$

Monthly HOAMissing$ No HOA / $0 confirmed

Annual homeowners insuranceMissing$Planning estimate only. Replace with a property-specific insurance quote.Estimated market value$Add the listing photoOptional · JPEG, PNG, or WebP · optimized on this device and kept out of the shared URL

Property previewYour next open house

Price ConfirmTaxes ConfirmInsurance EstimateHOA $0 / confirm

Structure

No deposit assumed

Seller credit strategyStarts blank. Choose a strategy or type the negotiated amount.Seller credit amount$Applied only to modeled eligible costs and never to the down payment.Closing costs + prepaids$Shortcut only. Replace with a transaction-specific fee and prepaid estimate.Monthly mortgage insurance$Enter a monthly quote below 20% down. Blank uses the legacy 0.12% annual sample; actual MI varies.Deposit already paid$Deducted once from remaining funds due. Confirm settlement treatment.Loan termyears

Rate strategy

User-supplied assumptions

Who funds the 2–1 buydown?$0 modeled subsidy

Choose one source

The selected source changes the client-funds calculation. Actual funding must be permitted by the loan program, disclosed, documented, and approved.

Note rateDiscount pointsptsPositive = cost. Negative = lender credit. Editable to match live pricing.APR%Required for rate-specific advertising and downloadable numeric marketing.Pricing verified as of

Rate and APR are not confirmedThe rate ladder is a planning comparison. Enter APR and the current time before creating a rate-specific plan.

Illustrative presets: 6.00% = 2.25 points, 6.50% = par, 7.00% = 1 point lender credit, with intermediate assumptions. Replace with current eligible pricing before use.

Live strategyNew open-house plan

Estimate incompleteConfirm inputsCurrent subtotal: $0 · missing PA or NJ property address, purchase price, annual property taxes, homeowners insurance, HOA status, closing costs + prepaids

Finish the estimate before sharingConfirm PA or NJ property address · Confirm purchase price · Confirm annual property taxes · Confirm homeowners insurance · Confirm HOA status · Confirm closing costs + prepaids

Down payment$0

Seller credit used$0No credit entered

Value cushion$00.00% est. LTV

2–1 funded bySeller credit$0

Note rate / APR6.50% / —

Loan-to-price0.00%

Note-rate monthly payment$0.00

Principal & interest$0.00

Property taxes$0.00

Homeowners insurance$0.00

HOA$0.00

Enter the property and financing assumptions to calculate mortgage insurance.

2–1 payment runway

Year 1 · 4.50%$0.00estimated total / mo

Year 2 · 5.50%$0.00estimated total / mo

Year 3+ · 6.50%$0.00estimated total / mo

Seller credit$0$0 reserved from seller credit

Base costs + prepaids$0

Discount-point cost$0

Other costs after lender credit$0

Estimated conventional seller-credit cap$0

Seller credit reserved for 2–1$0

Seller credit used on other costs$0

Deposit applied to funds due$0

Unused / unapplied seller credit$0

Ready for a real loan strategy?

Let Chuck verify the structure.

Turn this planning scenario into current pricing, eligible program options, and a transaction-specific Loan Estimate.

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