Free calculators
Estimate a home's full monthly payment and the cash you'll need to close — or size up a rental's real monthly cash flow. Everything stays in your browser; nothing is saved or sent.
Lenders qualify self-employed borrowers on net income — what's left after business expenses on your tax returns — not gross revenue. If you file a Schedule C, use the net profit on Line 31. If you have an LLC or S-Corp, use the income reported on your K-1.
A rate-and-term refinance keeps your balance the same and swaps your rate and term — the goal is a lower payment.