🏠 Your Loan Options

To see your loan options, open the link your loan officer sent you.
All figures and rate shown are for estimation purposes only and should not be construed as a Loan Estimate or commitment to lend. Subject to lender terms, conditions, and approval. Flat Branch Home Loans is a division of Flat Branch Mortgage, Inc. Equal Housing Lender, NMLS#224149.

🧮 Affordability Matrix

This matrix shows the highest home price a buyer can afford for a given monthly payment (down the side) at a given interest rate (across the top). Each cell already includes principal & interest, property taxes, homeowner's insurance and mortgage insurance.

Find the buyer's comfortable monthly payment, follow that row to the rate you're working with, and the cell is their price ceiling. Tap any cell for the full breakdown. Starting from a price instead? Tap Payment for a price above the grid to flip it: rows become prices and each cell is the monthly payment.

Adjust for your buyer

Change the loan type, down payment, term or the payment (or price) range — or mark a tax-exempt buyer — and the matrix above updates.

The interest rates, credit score, down payment assistance, rate steps, payment steps and property tax rate are set by your loan officer. Changes you make here are just for you — they aren't saved.
All figures and rate shown are for estimation purposes only and should not be construed as a Loan Estimate or commitment to lend. Subject to lender terms, conditions, and approval. Flat Branch Home Loans is a division of Flat Branch Mortgage, Inc. Equal Housing Lender, NMLS#224149.

Apples To Apples Comparison

Select two scenarios to compare

Apples To Apples Comparison

Comparative Analysis

After 60 Payments
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Long-press slider to jump to a specific month
Metric Scenario 1 Scenario 2 Difference

This tool provides illustrative comparisons based on your inputs. Results are estimates only and do not represent loan offers or financial advice.