Buying & Pre-Qualifying
Affordability Calculator
Buyers type in what they earn and owe; you get a lead that already knows its price ceiling and which ratio set it.
Mortgage & Home Loans
Embeddable mortgage calculators for every stage of the borrower's decision
Six sections, one job: answer the borrower's next question and hand the conversation to you.
Free plan, no card. Paid plans include a 14-day trial.
Key takeaways
- Buying & Pre-Qualifying calculators are the core of a purchase funnel; start there.
- Program, comparison and ARM calculators belong on the pages where borrowers research those loans.
- Refinance and equity calculators turn past clients and homeowners into conversations.
The Mortgage & Home Loans group covers what borrowers ask on a lender's site: payment, affordability and pre-qualification; program fit for FHA, VA, USDA and jumbo; 15 vs 30 and ARM vs fixed comparisons; refinance and payoff; and equity, points and PMI. Each calculator embeds with one line and captures the lead with its numbers.
Buying & Pre-Qualifying
Buyer Closing Cost Estimator
Buyers see every closing line they will pay; you see exactly which line worries them before it becomes a delayed closing.
Buying & Pre-Qualifying
Closing Cost Calculator
A simple three-bucket closing estimate that early shoppers understand and that tells you how they are comparing lenders.
Buying & Pre-Qualifying
Debt-to-Income Calculator
Three inputs, two ratios and an honest assessment, so the first thing you know about a lead is whether the numbers work.
Buying & Pre-Qualifying
Down Payment Calculator
Meet buyers while they are still saving, and know to the month when they expect to be ready.
Buying & Pre-Qualifying
First-Time Homebuyer Calculator
First-time buyers see the monthly payment and the cash to close together, and you see which of the two is holding them back.
Buying & Pre-Qualifying
Home Loan Calculator
Seven inputs, a full PITI breakdown, and a lead that knows its real monthly number instead of just principal and interest.
Buying & Pre-Qualifying
Mortgage Calculator
The payment calculator borrowers already look for, with the loan type, program fees and amortization attached to every lead you receive.
Buying & Pre-Qualifying
Pre-Qualification Calculator
The calculator that turns "what can I afford?" into "can you pre-qualify me?", with the limiting ratio already identified for you.
Buying & Pre-Qualifying
Rent vs. Buy Calculator
Undecided renters get an honest comparison; you get their rent, their timeline and the assumptions that would change their mind.
Loan Comparisons
15 vs 30 Year Mortgage Calculator
When a borrower asks "what if I did fifteen years?", the answer and the lead arrive together.
Loan Comparisons
20 vs 30 Year Mortgage Calculator
Some borrowers want to retire the mortgage before retirement, not by next decade; this is their calculator.
Loan Comparisons
ARM & Interest Only ARM vs. Fixed Rate Calculator
The interest-only start looks irresistible until the reset column appears beside it; let borrowers see both before you talk.
Loan Comparisons
ARM vs. Fixed-Rate Mortgage Calculator
The ARM question is really a "how long will you keep this loan?" question; this calculator gets the borrower asking it.
Loan Comparisons
Fixed Rate vs. Interest Only Mortgage Calculator
Interest-only questions deserve a clear answer with a dollar figure; give borrowers one before they call.
Refinance & Payoff
Bi-Weekly Payment Calculator
Give payment-conscious buyers a reason to talk about total cost, not just the monthly number.
Refinance & Payoff
Biweekly Payments for an Existing Mortgage
A useful, no-pitch tool to send your database that quietly tells you which homeowners are paying attention to their loan.
Refinance & Payoff
Cash-Out Refinance Calculator
Equity leads that arrive knowing their LTV are easier to qualify than ones that only clicked "get cash now".
Refinance & Payoff
Extra Payment Calculator
The one calculator where borrowers volunteer how much spare money they have each month.
Refinance & Payoff
Mortgage Debt Consolidation Calculator
The rare lead form where a homeowner hands you their monthly debt load before the first call.
Refinance & Payoff
Mortgage Recast Calculator
Stay useful to the homeowner with a rate too good to refinance, and to the buyer waiting on a sale.
Refinance & Payoff
Refinance Calculator
When rates drop, send your database a tool that tells you which homeowners actually come out ahead.
Adjustable-Rate Mortgages
APR Calculator for Adjustable Rate Mortgages
Win the quote-comparison conversation by being the loan officer who explains APR before the borrower asks.
Adjustable-Rate Mortgages
ARM Calculator
Let borrowers see the reset payment on their own screen before you ever have to explain it.
Adjustable-Rate Mortgages
Interest Only ARM Calculator
Serve the high-income, irregular-cash-flow borrower properly by showing year 11 on day one.
Adjustable-Rate Mortgages
Option ARM Calculator
Being the loan officer who explains negative amortization clearly is a reputation worth building.
Loan Programs & Specialty
Balloon Mortgage Calculator
Borrowers who run balloon numbers are usually planning a sale, a refinance or a short hold, and that plan is the first thing you want to hear about.
Loan Programs & Specialty
Blended Rate Mortgage Calculator
Homeowners sitting on a low first-lien rate and a pricier second are the refinance prospects most likely to be oversold, and this tool keeps the conversation straight.
Loan Programs & Specialty
Combination Mortgage Calculator
A buyer comparing piggyback financing with PMI already has a down payment, a target price and a reason to talk to someone who can price both sides.
Loan Programs & Specialty
Construction Loan Calculator
Someone pricing a custom build is months from closing and already deciding which lender to trust with the longest, most complicated file you will work this year.
Loan Programs & Specialty
FHA Loan Calculator
Buyers who search FHA payments are often first-time buyers with a little saved, a rent payment to beat and no lender yet.
Loan Programs & Specialty
Interest Only Mortgage Calculator
People who model interest-only payments are usually higher earners with uneven income or an investment plan, and they expect a lender who can talk structure, not just rate.
Loan Programs & Specialty
Jumbo Loan Calculator
One jumbo file can carry the volume of several average purchases, and the buyers who run this calculator are telling you they are shopping in that range.
Loan Programs & Specialty
Reverse Mortgage Calculator
Older homeowners researching a reverse mortgage often involve adult children and advisers, so a clear, honest estimate is the start of a careful, trust-heavy conversation.
Loan Programs & Specialty
USDA Loan Calculator
Buyers who look up USDA payments usually have steady income, little saved and a property outside a major city in mind, which is a very specific lead worth answering quickly.
Loan Programs & Specialty
VA Loan Calculator
Veterans and service members comparing VA payments often know their benefit exists but not what it costs, and the LO who explains it plainly tends to earn the referral network that follows.
Equity, Points & Costs
APR vs. Interest Rate Calculator
The borrower comparing your quote to someone else's is already in the market; this tool lets them do the comparison on your site.
Equity, Points & Costs
HELOC Calculator
Homeowners who model a HELOC are telling you how much equity they want to tap and roughly what for.
Equity, Points & Costs
Home Equity Loan Calculator
Every homeowner who enters a value and a payoff balance has just handed you a CLTV worksheet.
Equity, Points & Costs
Mortgage Points Calculator
A borrower deciding whether to pay points is close enough to closing to be pricing the loan; meet them there.
Equity, Points & Costs
Mortgage Required Income Calculator
When a buyer asks what they need to earn, they have usually already picked the house.
Equity, Points & Costs
Mortgage Tax Savings Calculator
Renters who ask what owning saves on taxes are halfway to asking what they can afford.
Equity, Points & Costs
PMI Calculator
Most buyers avoiding PMI are really avoiding a purchase they could already make; this tool lets them see it.
Which mortgage calculator section belongs where on your site?
Each section maps to a stage of the borrower's thinking. Embed the section that matches the page, not all of them everywhere.
| Section | Borrower question it answers | Where an LO should embed it |
|---|---|---|
| Buying & Pre-Qualifying | What will my payment be, and how much house can I afford? | Home page, buyer guide, "get pre-qualified" page |
| Loan Comparisons | Which term or rate type costs me less? | Loan options page, blog posts on term and rate choices |
| Refinance & Payoff | Should I refinance, take cash out or pay this off faster? | Refinance page, past-client emails, rate-drop campaigns |
| Adjustable-Rate Mortgages | What happens to my payment when the rate adjusts? | ARM and non-QM pages, high-price-market landing pages |
| Loan Programs & Specialty | Does FHA, VA, USDA, jumbo or another program fit me? | Program pages, veteran and rural campaigns, builder partners |
| Equity, Points & Costs | What do points, PMI or a HELOC actually cost me? | Equity and HELOC pages, quote follow-up, homeowner newsletters |
02
How do mortgage calculators turn into a pre-qual funnel?
Put them in the order a borrower thinks. A buyer starts with a payment, checks affordability, then wants to know if they qualify. Put a mortgage payment calculator up front, an affordability or DTI calculator next, and the pre-qualification calculator as the last step, ideally in one widget.
Program and comparison calculators work as side doors. Someone searching for FHA lands on your FHA page, runs the FHA calculator and submits with their price, down payment, rate and the FHA mortgage insurance figures attached. Either way the lead reaches your CRM with every input and result, so your first call starts from the borrower's numbers, not from "so, what are you looking for?"
Which mortgage calculators fit your kind of business?
Choose by the loans you actually write.
Purchase-heavy LO
Payment, affordability, DTI, down payment, closing costs and pre-qualification, plus the program you close most.
Refinance and past-client book
Refinance, cash-out, debt consolidation, recast and extra-payment calculators sent to your database.
Non-QM or high-balance broker
Jumbo, interest-only, ARM and blended-rate calculators, paired with the self-employed income tools.
FAQ · 6 questions
Questions loan officers ask
What is the best mortgage calculator to put on a loan officer's home page?
A monthly payment calculator that shows principal, interest, taxes, insurance and mortgage insurance. It answers the first question nearly every visitor has and gives you a lead with price, down payment and rate already filled in.
Should I embed program calculators like FHA and VA if I already have a payment calculator?
Yes, on their own pages. Program calculators apply the program's own costs, such as FHA mortgage insurance or the VA funding fee, so the estimate is closer to what the borrower will see. They also catch people searching for that program by name.
Do the mortgage calculators use current rates?
No. PrequalFunnel does not price loans. The borrower enters or adjusts the interest rate, so results are estimates. Your first call is where you talk about real pricing.
Can I send leads from different mortgage calculators to different HighLevel workflows?
Yes, on Producer and Brokerage plans. Per-calculator webhooks let you send, for example, refinance leads to one workflow and FHA leads to another, each with the full set of inputs and results.
Are these mortgage calculators a pre-approval tool?
No. They produce estimates from what the borrower enters. They do not pull credit or issue pre-approvals or Loan Estimates. They start the conversation; your process and LOS handle the rest.
How many mortgage calculators should I embed?
Start with three to five that match your loan mix, each on the page where its question comes up. Add more once you see which pages and calculators bring leads, using the page URL and source on every lead.
PrequalFunnel
Your next borrower is already on your site.
Give them the numbers they came for, and get the lead with those numbers attached.
Free forever on Originator. Upgrade when you want webhooks and your own brand. 14-day free trial on monthly and yearly. Cancel before it ends and you pay nothing.