Run your own numbers
Twelve calculators, no email required.
Affordability, refinance break-even, points, buydowns, extra payments, rent versus own. Every one of them runs in your browser, nothing is sent anywhere, and you can export a PDF of any result and keep it. Pick the one that matches the question you actually have.
A calculator answers the arithmetic. It does not know which program your file fits, what your closing costs will really be, or whether the seller will pay some of them. That is the part worth a conversation, and it is free too.
Loading the calculators. If they do not appear, your browser may be blocking scripts. Call (727) 597-0981 and we will run the numbers together.
Once you have a number
The arithmetic is the easy half.
Whether the payment is affordable is arithmetic. Whether the loan is the right one is not. Michele has spent forty years on the second question, and she reads the underwriting guidelines for your specific program before she quotes anything. Bring the number you just got and she will tell you what it leaves out.