Mortgage comparisons
The decisions that cost the most money, laid out side by side — with the calculator that settles each one using your own numbers rather than an average.
Side by side
Six comparisons
Home equity
HELOC vs cash-out refinance
It turns almost entirely on the rate you already have. A cash-out refinance re-prices your whole mortgage to reach a slice of equity, so if your curre…
Read the comparisonBuying
FHA vs conventional loan
Conventional is usually cheaper if you qualify, because its mortgage insurance is removable — automatically at 78% loan-to-value. FHA's annual premium…
Read the comparisonInvestors
DSCR vs conventional investment loan
Conventional is cheaper on rate whenever your documented income supports it. DSCR wins when depreciation has reduced your taxable income, when you hav…
Read the comparisonBuying
15 vs 30 year mortgage
A 15-year term carries a lower rate and dramatically less total interest, but the payment is far higher and the commitment is fixed. A 30-year term wi…
Read the comparisonMiami-Dade
Renting vs buying in Miami
It depends on how long you stay. Buying carries large one-off costs at both ends — closing costs going in and roughly 7% selling costs coming out — so…
Read the comparisonHow lending works
Mortgage broker vs bank
A bank lends its own money against one set of guidelines, so a file that does not fit is declined. A broker is independent and takes the same applicat…
Read the comparisonWant this applied to your actual file?
Five minutes, no credit pull to start, and a straight answer either way.