Buyer Tools
Before You Sign Anything, Run the Math
Builders and their preferred lenders work fast. These calculators slow the process down so you can see the full picture: what you can actually afford, how your credit score translates to real dollars, what your full monthly cost to own really looks like, and whether the prequal letter matches reality.
Educational only — not underwriting. Heath Watte is a licensed REALTOR® in Oregon and Washington. He is not a mortgage lender, mortgage broker, or loan underwriter. These calculators produce estimates based on the numbers you enter. They do not constitute a mortgage pre-approval, credit decision, qualification guarantee, or advice on a specific loan product. Final qualification is determined by a licensed lender based on your actual credit report, income documentation, asset verification, and the property being financed. Consult a licensed lender and/or financial advisor before making any real estate decision.
Calculators
Four tools. Honest math. Built to give you the numbers the builder's sales desk may not show you upfront.
Full monthly cost to own — principal, interest, taxes, insurance, PMI/MIP, HOA, and the life-of-loan interest total.
Income, debts, down payment, credit score — the same inputs any lender will ask. Returns the conservative, approvable, and aggressive price ceiling.
The conservative vs aggressive DTI difference between what a lender will approve and what you can actually live with. The gap matters.
Five actions that move your score 20–80 points in 60–120 days, and the dollar value of each 20-point tier of rate improvement over the life of the loan.