Edge Mortgage Pro Team — powered by Edge Home Finance

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.

Your purchase

Scenario inputs

$
$
%
$

Derived from home price minus down payment.

$
$

Everyday household spending, including property taxes, homeowners insurance and HOA/condo dues when applicable, but excluding mortgage principal and interest.

%
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.

Advanced assumptions

Optional detail

Monthly Spending Calculator

$

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

$
$
$
$
$
$
$
$
$
$
$
Monthly spending total$7,500

Turn on detailed spending to use this total, or keep entering monthly spending manually.

$

Optional deposits in addition to regular monthly income.

$

Optional recurring draws in addition to ordinary monthly spending.

$
months from now
$
months from now

Comparison

$520,000 starting balance

Estimated results

Monthly cash-flow surplus$6,500
Estimated Intelligent Mortgage payoff9 yrs 0 mos
Estimated Intelligent Mortgage interest through payoff$192,013
Traditional interest paid by that point$299,210
Traditional balance remaining at that point$453,325
Traditional full-life interest cost$694,176
30-Year Interest-Cost Equivalent
i
2.21%

The model assumes income arrives in two equal deposits on the 1st and 15th, ordinary monthly spending is spread across each day, interest accrues daily and posts monthly. Advanced deposits and expenses are applied when entered. Actual programs, timing, and terms vary.

Calculator for illustration purposes only. It does not provide an exact quote. Intelligent Mortgage programs can have different pricing depending on the borrower’s credit profile, financial situation, property, loan structure, and market conditions. We use a reasonable modeled rate so you can compare how the mortgage structure may affect payoff time and total interest cost. To get a quote based on your specific financial situation click the "talk to a pro" button to set up a consultation with a mortgage pro.

Talk to a Pro

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.

Text Me Email Me Call Me Get Pre-Approved