Purchase

Intelligent Mortgage Purchase Calculator

Enter the home you are considering and the way your household money moves. The comparison models an Intelligent Mortgage against a traditional 30-year fixed mortgage on the same starting loan amount.

Optional detail

Monthly Spending Calculator

Use detailed spending

Housing costs

Include property taxes, homeowners insurance, and HOA/condo dues. Do not include mortgage principal and interest.

Car

Credit cards (minimum due)

Utilities

Groceries / food

Personal care

Pet care

Health care

Insurance (non-housing)

Transportation

Entertainment / recreation

Other

Monthly spending total$7,500

Turn on detailed spending to use this total, or keep entering monthly spending manually in the Scenario Inputs tab.

Your purchase

Intelligent Mortgage Scenario

Home price

Down payment ($)

Down payment (%)

Starting loan amount

Derived from home price minus down payment.

Monthly spending

Household spending excluding mortgage P&I.

Traditional 30-year comparison rate

Model your regular paycheck

How often are you paid?

YTD gross income on your latest paycheck

Pay period end date

Estimated monthly base income

$14,000

Does this YTD income include any bonuses, commissions, or one-time income?

Modeled Intelligent Mortgage rate7.395%

Illustrative rate used for comparison purposes. Your actual rate may be different.

Why are we using this rate?

We use a modeled rate so you can see how the Intelligent Mortgage structure may affect payoff time and total interest. The 7.395% rate is an illustrative assumption used for this comparison, not a quote or an advertised rate. Your actual rate will depend on your credit profile, property, loan structure, market conditions, and other factors.

Ready to take the next step?

Whether you're buying a home, investing in real estate, or exploring loan options, let's find the right financing path together.