CALCULATOR

As part of the Loan With Rick home purchase process, we issue truly unique mortgage calculators which allows buyers and borrowers to run numbers like a pro without filling out a bunch of paperwork.

Proud to be recognized as an A-Graded, Military Friendly Lender since 2017.

Disclaimer: Information provided is based on estimates and projected forecasts. Data provided should not be used for actual home assessment values.

buy vs rent

BUY VS RENT

If you've been thinking about buying a home, but you're not sure if you'll benefit over the long haul, then try our tool that not only allows you to compare your monthly payments for renting, or buying, but offers additional analytics. The calculator provides an estimate of the home's future value, as well as the tax savings you'll realize when buying a home.

Purchase calculator

THE EMA PURCHASE WORKSHEET™

Knowing your numbers are imperative to becoming a confident home buyer. Getting the information you need quickly is impossible with online calculators and most loan companies want a bunch of documents before they lift a finger.

purchase calculator

REFINANACE CALCULATOR

THE LWR REFINANCE CALCULATOR™

With some simple input, our clients can see everything to make a good decision with regards to refinancing or using the equity in their home for cash out or paying off debts. How much will refinancing truly cost me? What are my monthly savings?

Is my break-even point acceptable? Are no cost refinancing options available? What about buying the rate down with points? The EMA answers it all.

refinanace calculator

Bid-over-ask calculator

Bidding over the asking price is common in sellers markets as well as highly desirable locations to win some offers. Beat out your competition intelligently using a historical and forecasted appreciation model to see when the property appreciation will cover the additional bid over the asking price.

Bid-over-ask calculator

SHOULD YOU BID OVER ASKING PRICE?

HOW MUCH IS TOO MUCH?  AND HOW MUCH IS TOO LITTLE?

Buyers competing in a Seller's market are at a disadvantage if they don't have a tool like this. Realtors, Buyers and Sellers alike need the Bid Over Ask Calculator.

Bidding Wars are common in a Seller's Market. Is there a home that just went on the market that you know has a LOT of interest? A bid over the asking price (otherwise knows as a contract escalation) may be required to win, but it's not clear just how much over ask will win, or even make sense!

With the Bid-Over-Ask calculator we now have a tool that will use historical and forecasted appreciation models to see when property appreciation will cover the additional bid over the asking price.

It is super important that you don't OVER-BID on the home, but also don't UNDER-BID! Use this tool in conjunction with our EMA Purchase Worksheet and you will have all the info you need to make the best offer!

Bid-over-ask calculator

HAVE A VA LOAN AND LOOKING TO REFINANCE?

TAKE ADVANTAGE OF YOUR VA INTEREST RATE REDUCTION REFINANCE LOAN (IRRRL) AND CALCULATE YOUR SAVINGS LIKE A PRO. Get our easy-to-use IRRRL mortgage calculator to see your savings instantly without submitting a bunch of documents.

Have A Va Loan And Looking To Refinance?

Mortgage Recast Calculator Worksheet

THE LWR mortgage recast CALCULATOR™

Have you sold a home and want to pay down your mortgage to lower your payment? Maybe you want to drop the PMI before it naturally comes off and don't want to refinance? Did you even know you don't have to refinance?

LWR Mortgage Recast