Mortgage calculations,
made clear.
Agency guidelines. Defensible calculations. Run transparent worksheets for underwriting, operations, and risk, and see the math behind each result.
Calculator library
Find the right worksheet for the scenario in front of you.
VA IRRRL
Compare P&I and interest rates, model fee recoupment, and screen standard seasoning inputs.
Open calculatorFHA Streamline
Model FHA payment and combined rate changes and screen standard seasoning at case assignment.
Open calculatorFannie Mae RSU Income
Translate documented vested distributions into a monthly worksheet using the Fannie Mae calculation period.
Open calculatorFreddie Mac RSU Income
Model time-based or performance-based restricted stock income using the applicable distribution period.
Open calculatorDTI & LTV
Calculate housing expense, qualifying ratios, and leverage across first liens, subordinate liens, and HELOCs.
Open calculatorPayment & Amortization
Model monthly housing costs, compare rates, and see how extra principal changes the payoff schedule.
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Guideline Insights
Read what changed and when it applies.
Fannie Mae’s manual underwriting update: flag the sale date
The November lender letter changes parts of the manual Eligibility Matrix next February. Save the sale date with the worksheet before you apply a new rule.
Read the updateFannie Mae RSU continuance now starts at application for one-time awards
The October update changes which date anchors three years of expected vesting for a time-based, one-time award.
Read the updateFannie Mae rental income: choose the section before the percentage
The September restructure separates subject, short-term, non-subject, and departing-residence scenarios.
Read the update