Skip to the content

Client portal

There is no file open yet

One click opens the worked example, with everything below already computed.

Go to the comparator

These are the real figures the example opens with. Nothing here is stored until you press the button.

Preview — the worked example, computed

YOUR PAYMENT

$3,598.14/mo

77% of that payment is the loan. The other 23% does not reduce what you owe.
What it costs in total
$316,841
over the 7 years you said you would stay
Loan amount
$426,237
Estimated rate
6.766%
APR
7.484%

360 PAYMENTS · SAMPLE CASE

Your mortgage insurance runs all 360 months.

Each bar is one piece of your monthly payment, drawn month by month from closing to payment 360. The blue line is the year you said you expect to move.

  • Tarrant County, TX
  • Government loan (FHA)
  • 30 years
EXAMPLE · SAMPLE CASE

MORTGAGE INSURANCE$45,589never goes away

51015202530
77% LOAN · 23% THAT DOESN'T REDUCE WHAT YOU OWE
YEAR 2 · THE PAYMENT RISES TWICE +$12.85
YOU LEAVE HERE · MONTH 84
LOANMORTGAGE INSURANCETAXES AND HOME INSURANCE

Your dates

The dates it already knows

Insurance

$191.08

a month · it never comes off

With this loan the mortgage insurance of $191.08 a month never comes off. That is $45,589 over 30 years. The only way out of it is to refinance.

Escrow

+$12.85

from November 2027

In November 2027 your payment goes up $12.85 a month. That is the yearly escrow adjustment: escrow is the account run with your money to pay your property tax and your home insurance.

Rate

nothing held yet

No rate is being held for you yet. A rate lock is the lender holding your rate for a set number of days. Until there is one, the rate you see moves every day.

Counted from the day this file was opened. The real closing date fixes the exact month.

The four loans

What each kind of loan would cost her

What each kind of loan would cost her
Kind of loanA monthTotal over your years
Military loan (VA)$3,417.95$302,301
Rural loan (USDA)$3,509.46$309,605
Government loan (FHA)$3,598.14$316,841
Ordinary loan (conventional)$3,736.45$333,768
Four kinds of loan on the same file, ordered by what each one costs you in total over the years you said you plan to stay. The one you cannot use is not hidden: it sits at the end, dimmed, with the rule that rules it out.
Client portal

What the example opens

  • María, 40, buying in Fort Worth, Texas. A median-priced home, 3.5% down, a credit score of 691.
  • One loan already picked — company and kind of loan — with the figures she had on screen.
  • Two documents asked of her, one of them already uploaded.
  • A log with all three hands on it: the buyer, the staff and the engine.
It opens on the kind of loan she arrived with, and on the first company of the list as the list orders itself. No company is featured; both change in one click.
A file is born in the comparator

How a file is born

A file is opened from the comparator. It lands here and on the staff screen at the same instant, with nobody reloading anything.