Loan Calculators

Powerful mortgage tools from The 2 Mortgage Guys — Ryan Minick and Steve DeLon, Branch Managers & Senior Loan Officers at Luminate Bank in Kokomo, Indiana. Estimate payments, compare programs, and plan your home financing nationwide.

Mortgage Payment Calculator

Estimate your monthly payment, including taxes, insurance, and PMI.

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20% · $80,000
%
%/yr
$/yr
$/mo

Estimated monthly payment

$0

Principal & interest$0
Property tax$0
Home insurance$0
Loan amount$0

Want an exact quote?

We’ll email your full breakdown with today’s real rates and next steps. No obligation.

Mortgage Qualifier Calculator

See how much home you may qualify for based on income, debts, and down payment.

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$/mo
10%
%
%
%/yr
$/yr

Estimated qualifying home price

$0

Max loan amount$0
Down payment$0
Est. monthly payment$0
Max housing budget$0
Principal & interest$0

Want an exact pre-qualification?

We’ll email your qualifying range with today’s real rates and next steps. No obligation.

FHA Calculator

Estimate FHA loan payments including upfront and annual MIP.

View Program

VA Calculator

Calculate VA loan payments with $0 down and no PMI.

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Conventional Calculator

Run numbers for conventional loans with PMI options.

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USDA Calculator

100% financing calculator for rural homebuyers.

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Jumbo Calculator

High-balance loan estimates for luxury properties.

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Renovation Loans

Estimate renovation financing for home improvements and repairs.

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DSCR Calculator

Estimate debt service coverage and cash-flow qualifying for rental investment properties.

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Asset Depletion Calculator

Turn cash, brokerage, and retirement balances into estimated monthly qualifying income.

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Reverse Mortgage

Estimate reverse mortgage options and see how much equity you can access.

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