Karen Henley

Sr. Loan Officer

NMLS# 275834

Karen Henley Sr. Loan Officer

Mortgage Calculators

Find the Right Loan Program

Select a category to explore your options and use our interactive tools.

Purchase Payment Calculator

Estimate your monthly payment (PITI). Just enter a home price and down payment.

$
%
$
Estimated Monthly Payment
$5,543
Principal & Interest $4,734
Monthly Taxes & Ins. (Est.) $809
Loan Amount $600,000

Estimate assumes a 6.75% interest rate, 1.25% property tax, and 0.45% home insurance. For illustration only.

Refinance Breakeven Calculator

See how long it would take to recoup costs. Just enter your current payment and new loan amount.

$
$
Monthly P&I Savings
$118
New P&I Payment $3,082
Est. Closing Costs $7,500
Breakeven Point
64 Months

Estimate assumes a 6.25% new rate and 1.5% closing costs. For illustration only.

DSCR (Investor) Calculator

Estimate if an investment property's rent will cover the monthly PITI payment.

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%
$
$
Potential Pass
1.20
Gross Monthly Rent $4,000
Total Estimated Monthly PITI $3,328
(Est. P&I: $2,678, T&I: $650)

Assumes 7.5% investor rate (30-yr), 1.25% tax, 0.45% insurance. For illustration only.

Reverse Mortgage Explorer

Use these sliders to get an *illustrative example* of how proceeds are calculated. This is for educational purposes only.

Illustrative principal limit factor
0.470
Eligible base (min of value & cap) $800,000
Illustrative principal limit $376,000
Less estimated fees (2%) -$16,000
Payoff existing mortgage -$150,000
Illustrative Available Funds $210,000

Specialty & Flexible Financing

Solutions for unique income situations, high-value properties, or new construction.

Bank Statement Loans

Ideal for self-employed borrowers. We use your business bank statements to verify income, not tax returns.

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Non-QM Loans

A broad category of flexible-doc loans for borrowers with unique income situations (e.g., asset depletion, high-net-worth).

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Construction Loans

Finance the construction of your new home, from the ground up, often with a one-time close that converts to a permanent loan.

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Foreign National Loans

Financing solutions designed specifically for non-U.S. citizens looking to purchase property in the United States.

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Feel free to browse our selection of payment calculators and tools. These calculators are provided for information use only. For a free, no obligation rate quote, contact us today at 805-279-5386.

Amortization Calculator

Calculate your monthly payment and view an amortization schedule of your loan.

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Biweekly Payment Calculator

See how much time and money you can save by switching to Biweekly mortgage payments.

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Compare 15 vs 30 Year Calculator

Use this calculator to see the difference between a 15 year and a 30 year mortgage.

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Compare 2 Loans Calculator

Compare 2 different loan scenarios to see which loan makes the most sense for you.

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Debt Consolidation Calculator

See how much you can save by consolidating your debts into one loan.

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How Much Can I Afford Calculator

Find out how much you can afford based on your current monthly income and expenses.

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Pre-payment Calculator

See how much you can save by making additional monthly principal pre-payments.

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Qualification Calculator

Find out how much you have to make in order to qualify for your dream home.

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Refinance Savings Calculator

Use this calculator to see if refinancing your mortgage makes sense for your situation.

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Rent vs Buy Calculator

Use this calculator to help you determine if you should rent or buy a home.

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Simple Apr Calculator

Use this calculator to find the Annual Percentage Rate of your mortgage loan.

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Purchase Mortgage Calculator

Calculate the monthly principal and interest payment of a mortgage loan.

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Amortization Calculator

Biweekly Payment Calculator

Compare 15 vs 30 Year Calculator

Compare 2 Loans Calculator

Debt Consolidation Calculator

How Much Can I Afford Calculator

Pre-payment Calculator

Qualification Calculator

Refinance Savings Calculator

Rent vs Buy Calculator

Simple Apr Calculator

Purchase Mortgage Calculator