The numbers worth running before you sign

Rate Math

The headline payment vs. the real after-tax cost — a seller buydown and the deductions, step by step.

Price Cut vs. Buydown

Same seller dollars, side by side — a price cut vs. a rate buydown, and which one lowers your payment more.

Rent vs. Own

Not which payment is smaller — where you actually end up. Runs both paths from the same cash and compares net worth.

The Cost of Waiting

What a year on the sidelines really adds to the price, the down payment, and the equity never built.

Self-Employed Buying Power

Bank-statement math instead of tax returns — what your business income could actually qualify for.

Prop 19 Tax Transfer

Move anywhere in California and take your Prop 13 tax base with you — 10-year savings, not just year one.

Homeowner Tax Savings

Interest and property taxes are deductible — but only above the standard deduction. The honest version of that math.

Temporary Buydown

A 1-0, 2-1, or 3-2-1 buydown lowers the rate for the first years. The year-by-year payments and what it costs.

Invested vs. a Home

Would the down payment do better in the market or in a home? See the net-worth difference, with leverage, over time.

Rent vs Own — Full Report

A guided intake that builds a shareable report — net worth, equity, and tax savings — you adjust live.

The Real Cost of Moving Up

Your rate is locked in low and the next house costs double. See the true monthly difference after debts cleared and tax.

Sale Proceeds

What actually lands after commission, transfer taxes, escrow and the payoff — not the sale price.

Move Up — Full Report

Your payment goes up when you move up — your real cost may not. A guided intake builds the whole picture, live.

Early Payoff

What an extra $100 or $500 a month really does to a 30-year loan — interest saved and years knocked off.

Home Equity

How much equity you could tap — and the payment — up to 90% combined loan-to-value.

Blended Rate

Whether a second mortgage or a cash-out refinance costs less — and your true blended rate across all debt.

Refinance Break-Even

How many months until a refinance pays for itself — and whether it saves money over the full term.

HELOC Refinance

A HELOC floats with the market and interest-only never pays down. See what a fixed second costs instead — leaving your low-rate first mortgage alone.

DSCR Investment

Qualify a rental on its own cash flow instead of your tax returns — the ratio and the thresholds.

1-0 Buydown

A full 1% off the rate for year one, compliments of Franklin Loan Center — the year-one savings in one page.

Fix Your Second

Refinance an adjustable 2nd / HELOC into a fixed second — without touching the low first mortgage. Cash may be available.

Condo Financing

Financing a condo with critical repairs or an SB 326 balcony issue — what still works, in plain English.