De'Ann Clark

De'Ann Clark
CEO & President



CA BRE BROKER #00668013
CORP NMLS ID #1188067
NMLS ID #1159042

EMail: De’Ann Clark

As a home loan borrower, there are several free online tools and calculators available to help you calculate your mortgage payments, debt-to-income ratio (DTI), and determine how much you can afford. These tools can be valuable resources in the home buying process. Here are some popular ones:

    Mortgage Payment Calculators:

    • Bankrate Mortgage Calculator: Bankrate offers a user-friendly calculator that helps you estimate your monthly mortgage payments. It allows you to input the loan amount, interest rate, loan term, and other variables.
    • Zillow Mortgage Calculator: Zillow's calculator provides an estimate of your monthly mortgage payment, including principal, interest, taxes, and insurance. It also offers a breakdown of costs.

    DTI Calculators:

    • NerdWallet DTI Calculator: NerdWallet offers a debt-to-income ratio calculator that helps you determine your DTI by entering your monthly income and debt obligations.
    • Credit Karma DTI Calculator: Credit Karma provides a calculator to assess your DTI based on your monthly income and expenses.

    Affordability Calculators:

    • Affordability Calculator: offers a tool to help you determine how much home you can afford based on your income, expenses, and other financial factors.
    • NerdWallet Affordability Calculator: NerdWallet's calculator helps you estimate your home affordability by considering your income, monthly debts, down payment, and interest rate.

    Loan Comparison Tools:

    • Zillow Mortgage Marketplace: Zillow offers a mortgage marketplace where you can compare loan offers from multiple lenders to find the best mortgage rates and terms for your situation.

    Amortization Schedule Generators:

    • Mortgage Amortization Calculator: There are various online tools available to generate an amortization schedule, which shows how your monthly payments break down over the life of the loan. You can find these calculators on various financial websites

    Credit Score Estimators:

    • Credit Karma and Credit Sesame: These websites provide free tools to estimate your credit score, which can be helpful in understanding how your credit may impact your mortgage options.

    Budgeting and Financial Planning Apps:

    • Apps like Mint and Personal Capital can help you track your income, expenses, and savings goals, which are essential in managing your finances and making informed decisions about homeownership.

Remember that while these tools can provide valuable estimates, they are no substitute for professional financial advice. It's a good idea to consult with a mortgage lender or financial advisor to get a more accurate picture of your financial situation and mortgage options. Additionally, be sure to check the most recent and reliable sources for these tools, as they may have been updated since my last knowledge update in September 2021.


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