Enter a home value and loan balance to see the share financed by the first mortgage.
YOUR HOME. YOUR NUMBERS. YOUR NEXT MOVE.
Where do you
stand today?
See your mortgage, equity and credit together. Change one number. Understand the trade-off.
U.S. RATE CONTEXT · WEEKLY AVERAGES30-year fixed 7.24% 15-year fixed 6.60%
Freddie Mac PMMS · October 29, 2026 · checked November 4, 2026
Dated snapshot, not a live feedCheck the latest release ↗
National averages are context, not your quote. Your credit, equity, loan type, property use, points and rate-lock terms affect pricing. These averages do not price HELOCs, second mortgages or cash-out loans.
Not sure what your home is worth? Check a few sources.
Open a valuation site, look up your home there, and bring the estimate back here. Compare the property facts and nearby sales before relying on any number.
External sites open separately; enter an address only if you choose. Estimates are not pulled into this page automatically. No AVM provider account or licensed data feed is connected.
ComeHome
Zillow
Redfin
Enter at least two estimates to see how much the sources differ.
The smallest and largest numbers you enter are a source spread, not an appraisal or a statistical confidence interval. Estimates may use different dates, facts and methods. A lender can use a different value.
No external estimate selected.
01 / YOUR STARTING POINT
A few numbers. A clearer picture.
Add other mortgage balances, including 0 if none. Equity is not cash available to withdraw.
You can use the rest of this desk without knowing your score.
Add a rate and term to model this loan. Taxes and insurance are separate.
02 / WHAT YOUR NUMBERS MEAN
More clarity. Less guesswork.
Start with your home value and loan amount. Your explanations will appear here.
Combined loan-to-value includes the other mortgages on this home.
03 / CHANGE ONE THING
What would make a difference?
Enter your starting numbers to explore a scenario.
Scenarios keep the entered term unchanged. They do not predict a rate from your credit or LTV. Lowering an LTV is not a promise of approval, savings or mortgage-insurance removal. Preserve funds for closing costs and emergencies.
04 / YOUR NEXT CONVERSATION
Take a better question with you.
Use this editable summary with any lender. No message is sent.
HAVE TWO OFFERS?
Compare the full cost →
Rates, fees, credits and your expected timeline.
DID SOMETHING CHANGE?Read both versions →
Upload PDFs, check the readings, see the differences.
THINKING ABOUT EQUITY?Compare your routes →
Keeping your first mortgage, a second loan or a refinance.
The words, in plain English
- LTV
- First mortgage divided by the property value used for the calculation. A $300,000 mortgage on a $400,000 home is 75% LTV.
- CLTV
- Combined mortgage balances divided by home value. A second loan changes this even when the first mortgage stays the same.
- Equity
- Home value minus mortgage balances. Sale expenses, borrowing limits and closing costs can reduce what you can actually access.
- Interest rate vs. APR
- The interest rate sets the interest charged on the loan. APR includes the rate and certain loan costs, so compare both using matching loan assumptions.
- Points and lender credits
- Points can trade upfront money for a lower rate. Credits can offset closing costs, often in exchange for a higher rate. Ask for both options in writing.
- Mortgage insurance
- Coverage that protects the lender. Costs and removal rules depend on the loan program; 80% LTV is not a universal automatic cancellation rule.
- Rate lock
- A written agreement on the rate for a specified time under stated conditions. Ask about expiration, changes and extension fees.
Sources & assumptions
This is an educational worksheet, not a loan quote or eligibility decision. Values, scores and balances are entered by you and are not verified. Lenders apply program-specific valuation, credit and lien rules. For purchases, the lender may use the lower of price or appraised value. Use a written Loan Estimate for actual terms.
- Freddie Mac: weekly national mortgage benchmarks · snapshot dated October 29, 2026; checked November 4, 2026. No automatic updates.
- CFPB: loan-to-value and borrowing costs
- CFPB: credit and mortgage pricing
- CFPB: understand your Loan Estimate
- CFPB: plan what you can comfortably spend
Entries remain in this page’s memory and clear on reload. Copying or printing creates a copy you control. No scores or financial inputs are sent to us, lenders or a credit bureau.
THE OTHER SIDE OF THE DESK
Know the lender.
Understand the offer.
A lender’s name is the starting point. The real comparison is the offer, the process, and how clearly your questions get answered.
No lender ratings, paid placement or current rate feed. This directory is historical HMDA reporting data; use official licensing records and written loan terms to verify the details that matter now.
2025 reporting entries in this snapshot
Compare two written Loan Estimates
Questions about cost, timing and service
01 / FIND THE LEGAL NAME
FFIEC / HMDA · 2025Loading public lender directory…
Names may differ from the brand you recognize. Missing from this reporting snapshot does not establish that a company is unlicensed or inactive. Entries are alphabetical; reporting counts are not used as rankings.
02 / THE RESEARCH CARD
HISTORICAL CONTEXTSelect a lender
Choose a directory result to inspect its reported legal name and identifier.
Sets the name and clears any entered figures for that offer. Loan terms must come from an actual offer.
Verify before sharing information
Match the legal company name and the loan officer’s NMLS identifier with the official record. The LEI here is a reporting identifier, not an NMLS license number. Complaint counts reflect reporting and company size; they are not a representative customer survey or a quality score.
Move to the offer comparison →THE DETAILS CHANGE THE DECISION
Two offers.
One clearer view.
Enter figures from your actual Loan Estimates. Compare the same loan amount, term, purpose, product and pricing date. This worksheet is for mortgages using a Loan Estimate; HELOC and reverse-mortgage disclosures differ.
01 / YOUR WRITTEN OFFERS
Entries remain only in this page’s memory and clear on reload. No credit pull, application, file upload or lender contact occurs. Do not enter account numbers or other identifiers.
OFFER A
OFFER B
02 / MAKE THE TRADE-OFFS VISIBLE
| Measure | Offer A | Offer B |
|---|
Selected upfront lender costs = Section A + Section B − lender credits. This is a subset, not total closing costs. Five-year borrowing cost = the Loan Estimate’s five-year total paid minus principal paid. ARM assumptions may change. Cash to close includes items beyond borrowing cost; a smaller payment or less cash due does not establish the lower-cost loan.
YOU DON’T HAVE TO KNOW THE JARGON
Ask the question.
Expect a clear answer.
Edit this in your own voice. Nothing is sent automatically.
YOUR PACE. YOUR DECISION.
Before the next yes,
get the next answer.
YOUR DECISION CHECKLIST
0 / 6 REVIEWEDThis is a personal review checklist, not loan approval or a recommendation. Checks clear on reload.
Use the source, not the slogan.
Directory source: FFIEC HMDA Data Browser filers API for 2025, accessed November 2, 2026 (ET). Reporting records can include applications, originations, purchases and other reported actions. This is not a live license register or an exhaustive list of mortgage providers. Comparison guidance: CFPB Loan Estimate resources. Public source links open external sites; no entered offer values are prefilled or sent.