About First Mortgage Calculator | Free Mortgage Calculation Tools

Our Mission

Home financing shouldn't be complicated or opaque. Our mission is to provide clear, accurate mortgage calculations that help you understand your financing options before you speak with lenders.

We believe financial transparency empowers better decisions. Whether you're buying your first home, refinancing, or exploring investment properties, our calculators provide the foundation for informed financial planning.

Always Free

No hidden costs, premium features, or paid subscriptions

Privacy Focused

Your financial data isn't stored, tracked, or sold

Comprehensive

Six specialized calculators covering all loan types

Our Approach

Accurate Calculations

We use industry-standard mortgage formulas and integrate with federal data sources like FRED to provide current market rates and reliable estimates.

Transparent Process

All calculations are performed client-side in your browser. We don't store your financial information or require account registration to use our tools.

Educational Focus

Our calculators include detailed breakdowns and explanations to help you understand mortgage components like PMI, taxes, and insurance.

Responsive Design

Built with modern web standards to work seamlessly across desktop and mobile devices, ensuring accessibility for all users.

Our Calculator Suite

Basic Mortgage Calculator

Calculate monthly payments for conventional loans with principal, interest, taxes, insurance, and PMI calculations.

FHA Loan Calculator

Specialized calculations for FHA loans including mortgage insurance premiums (MIP) and minimum down payment requirements.

VA Loan Calculator

Calculate VA loan payments with funding fees, disability exemptions, and zero down payment scenarios.

Refinance Calculator

Analyze refinance opportunities with break-even calculations, closing costs, and potential savings over time.

Affordability Calculator

Determine how much house you can afford based on income, debt, down payment, and debt-to-income ratios.

Investment Property Calculator

Analyze rental property investments with cash flow, cap rates, and return on investment calculations.

Built with Modern Technology

Our platform is built using cutting-edge web technologies to ensure fast, reliable, and secure mortgage calculations:

Real-time Data: Current mortgage rates from Federal Reserve Economic Data (FRED)
Secure Infrastructure: SSL encryption and privacy-focused architecture
Performance Optimized: Sub-second calculation speeds with responsive design
Accessibility: WCAG compliant for users with disabilities
Cross-Platform: Works seamlessly across all devices and browsers

Important Disclaimer

Our calculators provide estimates only and should not be considered as professional financial advice. Actual loan terms, rates, and payments may vary based on numerous factors including credit score, debt-to-income ratio, loan program, and lender requirements.

We strongly recommend consulting with qualified mortgage professionals, financial advisors, and legal experts before making any home financing decisions. Our tools are designed to help you understand potential scenarios, but they cannot replace professional guidance.

Get in Touch

We're constantly working to improve our calculators and add new features. If you have suggestions, questions, or feedback, we'd love to hear from you.

Questions or Feedback:
For questions about our calculators, suggestions for improvements, or technical issues, please reach out through our website's contact form or the feedback option in the calculator interface.

Privacy Inquiries:
For privacy-related questions, please refer to our Privacy Policy or contact us using the information provided there.