SFMC Home Lending vs NoteHarbor Calculator

It’s easier here at Service First because we are dedicated to providing a hassle-free lending experience from start to finish. To further enhance your experience, we have created the Lending Hub app to help simplify the home buying process. This tool provides you with a wealth of valuable information whether you are a purchasing a home, refinancing, or you're a real estate agent wanting to provide the best for your clients. Key Features: - Determine which product is best for you using scenario comparisons - Calculate savings or cost of refinancing your mortgage - Learn whether you can afford a home based on your current income and expenses - Quickly and easily scan and upload required documents - Convenient access to Loan Officer and Real Estate Agent contact information - Stay up-to-date on industry news and changes which might affect you such as mortgage interest rates The calculations you find in the Lending Hub app are helpful in determining what homeownership could look like for you. However, your highly trained Service First loan officer will help you get the right loan to meet your specific needs, and will go the extra mile to ensure the highest quality of work is performed on your loan in a timely manner. Be sure to reach out to your loan officer with any questions you may have about your loan or the loan process. Service First is lending that has you covered!

NoteHarbor Calculator is a free, offline toolkit for private note investors, seller-finance lenders, and anyone who needs fast, exact loan math. Six calculators plus a full financial calculator, each penny-accurate: • Financial calculator — a five-key time-value-of-money calculator: enter any four of N, I/YR, PV, PMT, FV and solve the fifth. • Amortizing loan — level P&I payment, total interest, total cost, payoff date, and a full amortization schedule. • Interest-only — flat interest payment with the principal due as a balloon at maturity. • Balloon loan — payment sized on a long amortization with the full balance due as a balloon. • Recast — apply a lump-sum curtailment and see your new, lower payment re-amortized over the same remaining term. Your payoff date doesn't change. • Payoff — per-diem interest and the exact total to pay a note off on any date. • Affordability — work backward from a payment you can afford to the loan amount it supports. Every result gives you a clear headline number, a plain-English explanation, and one-tap Share / Copy — plus PDF / PNG export with Calculator Pro. Why it's different: the math is identical to NoteHarbor's loan-servicing platform — integer-cents precision, standard statement rounding, and the same formulas used to service real loans. No accounts, no login; the calculators work offline. The free version is ad-supported, and Calculator Pro ($6.99, one-time) removes ads and unlocks PDF/PNG export. When you're ready to service real notes — track payments, escrow, payoffs, statements, 1098s, and borrower portals — visit usenoteharbor.com.