Buying a home
Start with your monthly budget in the affordability tool. Have a home price in mind? Use the payment tool to add taxes, insurance and dues.
Read the Florida buyer guideFree mortgage calculators
Florida mortgage calculators
Pick the question you want to answer. Try a tool, change the numbers and see what fits your plans. No contact details needed to use these tools.
Planning estimates for Florida property. Not loan offers, rate quotes, or approvals.
Purchase and payment
Working out what a home costs you each month, and what price fits.
Florida Rate Finder
What are today's Florida rates for my loan, and what do they cost in points and payment?
Mortgage Payment Calculator
What would my full monthly payment be - principal, interest, taxes, insurance, HOA and mortgage insurance?
Home Affordability Calculator
What home price fits the monthly payment I want to stay near?
Costs and next steps
Deciding between loan options, and whether changing the loan you have is worth it.
Mortgage Points Calculator (Rate Horizon)
Is it worth paying discount points to buy today's rate down, and how long until the lower payment recovers that cost?
Refinance Break-Even Calculator
Would replacing the mortgage I already have actually leave me better off, once costs and the term reset are counted?
Debt Consolidation Refinance Calculator
What happens to my monthly outflow and my total cost if I roll other debts into the mortgage?
Extra Mortgage Payment Calculator
How much sooner would I be done, and how much interest would I avoid, paying extra each month?
Not sure where to start?
Choosing a rate
The Rate Finder shows priced loan options. Rate Horizon compares the cost of points with a lower payment. Points are fees you pay for a lower rate.
Compare points and paymentsChanging a loan
Use refinance break-even to compare your old loan with a new one. Want to keep your loan? Try extra payments to see how they could shorten it.
Read the refinance guideUnderstand the loan behind your estimate.
Conventional loans
Learn how down payment and mortgage insurance shape your loan choices.
Read the Florida conventional loan guideFHA loans
Check FHA requirements, loan limits and mortgage insurance before you compare costs.
Read the Florida FHA loan guideVA loans
Learn who can use the benefit and what home costs to plan for.
Read the Florida VA loan guideUse costs for your Florida home.
Taxes, home insurance and neighborhood dues can change your budget. Ask about homeowners association (HOA) dues and Community Development District (CDD) charges. Use figures for the home you plan to buy. The seller’s tax bill may not match yours. Ask about flood coverage and extra fees too.
Each tool has a different job. The payment tool adds the home costs you enter. Points, payoff and refinance tools focus on loan costs. Read each tool’s assumptions so you know what is left out.
Quick answers
Do these tools approve me for a loan?
No. They help you test ideas. Loan approval needs a review of your income, debts, credit, property and loan rules.
Learn about pre-approvalIs Rate Horizon the refinance calculator?
No. Rate Horizon compares points and rate costs for the same new loan. The refinance tool compares a loan you have with a replacement loan.
Can I use the tools for any Florida city?
Yes. Use costs for the home and county you are considering. Orlando, Miami, Tampa and other areas can have very different tax, insurance and dues costs.
Ready to put real numbers on it?
A calculator helps you explore loan choices. I can help you compare the mortgage options for your actual file.
See today’s real Florida rates
Planning estimate only, not a loan offer, rate quote, approval, or commitment to lend. Rates you enter are assumptions, not APRs. Mortgage Expert, Inc. originates loans on Florida property only. Minimum loan amount $100,000.