How much house can I afford?
A working price range from your income, debts, and down payment. Perfect for buyers who want a realistic starting point before falling in love with a listing that might be a stretch too far.
Open the calculatorEducational tools
Run your own numbers first.
Every calculator here is for educational purposes only: your numbers in, a clearer picture out. Nothing is a quote, a rate, or an application, and nothing you type is sent anywhere. When you want the real version, I'm easy to reach.
Keep your rate: refi vs home equity
Compare a cash-out refinance against keeping your low first mortgage and adding a home equity line or loan. Right for homeowners who need cash but love their rate.
Open the calculatorWhat could a lower rate change?
The monthly gap between your current rate and one you want to test. Ideal for a quick first glance at numbers before committing to talking about a loan.
Open the calculatorRefinance break-even
How many months of savings it takes to earn back closing costs. Good for seeing whether a refinance idea survives its own price tag.
Open the calculatorExtra payment payoff
What steady extra principal does to your payoff date and total interest. Model chipping away at your existing loan with a purpose.
Open the calculatorRent vs buy
A simple first-year side-by-side, including the part of a payment that builds your own equity. Good for data-driven renters, though owning has plenty of intangible benefits this won't capture.
Open the calculatorNext step
Calculators start conversations. They don't finish them.
Every tool here leaves out things an underwriter won't: credit, program rules, property details, mortgage insurance, timing. When a result surprises you, that's the moment to send it to me.
Educational calculator disclaimer
Educational estimate only. This tool uses the numbers you enter, including any rates you estimate, which are not rates offered by Bay Capital Mortgage Corporation. Nothing here is a quote, an offer, an interest rate, an APR, a pre-approval, or a commitment to make a loan. Your actual numbers depend on full underwriting and credit approval.
These calculators run entirely in your browser. The numbers you enter are not collected, stored, or transmitted.