Partners Mortgage · Decision Engine
Tool 01 · Monthly Payment
What will my payment be?
Loan details
$
$
%
%
Enter the rate you were quoted. Your advisor or loan estimate has it.
$0
Estimated total monthly payment, all in
What if...
Why these numbers
Tool 02 · Buying Power
How much house can I afford?
Your profile
Most buyers are happiest near the Comfortable range. It leaves room for life, not just the loan.
Conservative
$420K
about $2,700/mo · loan $360K
Comfortable
$495K
about $3,200/mo · loan $435K
Maximum
$575K
about $3,750/mo · loan $515K
Estimates use a sample rate based on your credit range for discovery only. When you have a real quote, the Payment tool will give you the exact picture.
Qualification confidence
Likely
Needs reviewBorderlineLikelyStrong
This is an educational confidence indicator, not underwriting, not a credit decision, and not a commitment to lend. A licensed advisor can review your full picture.
Tool 03 · Cash To Close
How much money do I actually need?
Purchase details
$550,000
Closing costs, escrows, and prepaid items usually add to the cash you bring. The down payment is only part of it.
Low estimate
$66K
Expected
$71K
High estimate
$76K
Why these numbers
Tool 04 · Rent vs Buy
Should I keep renting?
Your situation
$214K
estimated equity built over 10 years of owning
Why these numbers
Tool 05 · Refinance Analyzer
Does refinancing make sense?
Current loan
Our read
Potentially worth exploring
Monthly savings
$268
Break-even
16 mo
Lifetime savings
$92K
Why these numbers
Verify 06 · Amortization
How does my loan pay down?
Loan terms
$3,170
monthly principal and interest
Total interest
$646K
Paid off in
30 yrs
Interest saved
$0
Remaining balance over time
Year by year schedule
Why these numbers
Verify 07 · Blended Rate
All your debts have one true rate.
How to use thisList each debt you carry (mortgage, auto, student loans, credit cards). Enter the current balance, the interest rate, and what you pay each month. We will calculate the single blended rate your whole debt picture behaves like.
Debt nameCurrent balanceInterest rate %Monthly payment
9.42%
Your blended rate, weighted by balance
Total balances
$466K
Total monthly outflow
$4,330
Interest cost per year
$43.9K
Why these numbers
Compare · Scenario Sandbox
Put your scenarios side by side.
Save up to four versions of your plan from the Payment tool: different prices, down payments, rates, or loan types. Compare them here in one view.
No scenarios yet. Build one in the Payment tool and tap "Save This Scenario".
Partners Mortgage
Mortgage Advisors · Roseville, California
(916) 270-9088
1687 Eureka Road, Suite 100, Roseville, CA 95661