Fred’s planning tools
Mortgage calculators.
Clearer decisions.
Start with the question you’re trying to answer. Explore the numbers privately, then talk them through with Fred when you’re ready.
Buying a home
Get comfortable with the payment and the cash you need.
Mortgage payment & amortization
Principal and interest, full housing costs, program fees, and an amortization schedule.
Open calculator 02Rent or buy?
Compare renting with buying using your costs, time horizon, home appreciation, and investment assumptions.
Open calculator 03Temporary buydown
Model a 3-2-1, 2-1, or 1-0 payment plan and the required subsidy.
Open calculatorComparing your mortgage options
Look beyond the rate to costs, time and remaining debt.
Should I refinance?
Compare your current mortgage with a refinance at the same holding period, including costs, balances, and cash out.
Open calculator 05Compare up to four loans
Compare four mortgage options with points, financed fees, mortgage insurance, interest-only periods, and a shared timeline.
Open calculator 06Two-loan comparison
A quick side-by-side comparison of payment, interest and upfront costs.
Open calculatorUsing equity or paying debt down
Compare the monthly change with the longer-term cost.
Early mortgage payoff
See how extra principal payments change your mortgage payoff date and interest cost.
Open calculator 08Blended mortgage rate
Find the balance-weighted interest rate and combined payments across your mortgages and home-equity loans.
Open calculator 09Debt consolidation comparison
Compare several existing debts with one consolidation loan, including fees, payment, payoff time, and total interest.
Open calculator 10Credit-card payoff
Explore fixed home-equity borrowing against a credit-card repayment plan.
Open calculator
Fred ChiltonLicensed mortgage broker · NMLS #1810817Numbers are the start. Let’s talk about the fit.
Share what you’re planning. I’ll help you compare financing options and understand the next step.
Review my options →Text Fred