Mortgage Math

Mortgage Math is a no-nonsense mortgage toolkit that shows you the numbers lenders actually look at — free to use, with no accounts, no ads, and nothing leaving your phone. MONTHLY PAYMENT CALCULATOR • Principal & interest, property tax, insurance, and PMI in one clear breakdown • Interactive chart and full amortization schedule • Save and compare scenarios side by side HOW MUCH CAN YOU AFFORD? • Uses the same ratios underwriters use: housing ratio and total debt-to-income • Conventional, FHA, VA, and USDA guideline limits with clear PASS / STRETCH verdicts • Loan-to-value, mortgage insurance, estimated cash to close, and reserves • Credit-score band guidance and conforming loan limit checks LISTING ANALYZER • Paste a listing link or just type an address • The app finds the property's details from open public sources and verifies the address with the US Census geocoder • Real state-level tax and insurance figures from public data • When a listing can't be retrieved, you enter the price yourself — the app never invents numbers REFINANCE ANALYSIS • Monthly savings, break-even month, and lifetime interest comparison FIND LICENSED LENDERS • Browse banks, mortgage lenders, brokers, and credit unions by state or ZIP • Filter results by institution type • Complete Directory mode lists every institution that reported mortgage activity in your state, from CFPB public records • License lookup links for every entry MORTGAGE MATH PRO (OPTIONAL ONE-TIME UNLOCK) Everything above is free. A single $4.99 purchase — no subscription — unlocks the full Lender Check report: every underwriting ratio with PASS / STRETCH verdicts, the complete PITI breakdown, estimated cash to close, and reserves. If the app saves you time, there is also an optional tip jar in Settings. Tips are voluntary and unlock nothing. PRIVATE BY DESIGN Everything you enter stays on your device. No sign-up, no tracking, no data collection — see our one-page privacy policy. Mortgage Math provides educational estimates based on published guidelines and public data. It is not a lender and does not issue loan offers or approvals.