All Tools
Hover a link to see what it does
- Rent vs Buy Compare renting vs buying: long-term cost, equity, and break-even.
- Mortgage Payment Estimate monthly payment (P&I + taxes + insurance + HOA).
- Affordability Estimate a home price range based on income, debts, and down payment.
- DTI Pre-Check Quick debt-to-income check before applying.
- Cash to Close Estimate cash needed to close based on loan type and scenario.
- Refi Break-Even How long until refinance savings exceed closing costs?
- Amortization See balance, interest, and principal over time.
- Down Payment Help Programs and options that reduce your upfront cash.
- HELOC / Equity HELOC and home equity guidance + scenarios.
- Buy Before You Sell Options for buying the next home before selling the current one.
- Homes for Sale Browse homes for sale and local guidance.
- New Construction New builds, incentives, and concession strategies.
- Assumable Homes Learn and find assumable mortgage opportunities.
- DSCR Loans Investor DSCR financing basics and next steps.
- Business Loans Business financing overview.
- Mortgage Application Start a mortgage application (secure).
- Contact Ask a question or request help.
- About What HomesCalculator.com is and how we help.
- Privacy Privacy policy and data handling.
- Disclosures Disclosures and compliance notes.
Live Mortgage Rates
Updated frequently. Use these for planning only — your final rate depends on credit, down payment, property, and loan details.
Want a personalized quote? Start a mortgage application or call (352) 988-4900.
News & Updates
Helpful updates and reminders (site is under construction).
- Rates change daily. Use Live Rates for a quick snapshot.
- Use DTI Pre-Check before starting your application.
- Estimate closing costs early to avoid surprises.
- Home Owners: get free monthly valuation reports.
- Compare rent increases vs equity growth over time.
Live Mortgage Rates
Open the widget on its own page (clean + readable)
View Live Mortgage Rates
Updated frequently. For planning only. Not a loan offer.
Free Monthly Home Value Reports
Thank-you offer — no data selling
Get free monthly reports
Includes valuation + area updates + mortgage-rate monitoring / refi alerts.