Mortgage guides and free calculators for U.S. homebuyers
Clear, practical guides to home loans, refinancing and first-time buying, plus free calculators to run your own numbers.
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Conventional Loan Requirements: What You Need to Qualify
Conventional loan requirements are the standards a lender uses to decide whether you qualify for a mortgage that is not backed by…
Free mortgage calculators
Run your own numbers before you talk to a lender.
Mortgage Calculator
Your monthly payment with taxes, insurance and PMI.
How Much House Can I Afford
A realistic price range for your income and debts.
Rent vs Buy Calculator
Compare the true cost of renting and owning.
Mortgage Payoff Calculator
See how extra payments shorten your loan.
Debt-to-Income Calculator
Check your DTI against lender limits.
Mortgage Points Calculator
Find out when buying points actually pays off.
Latest guides
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Biweekly Mortgage Payments: Are They Worth It? (Free Calculator)
Biweekly mortgage payments mean paying half of your monthly mortgage payment every two weeks instead of…
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Mortgage Amortization Schedule Explained (With Free Calculator)
A mortgage amortization schedule is a table that shows how every monthly payment on your home…
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Refinance Break-Even Calculator: How Long Until Refinancing Pays Off?
A refinance break-even calculator answers the question that matters most before you refinance: how many months…
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The Mortgage Closing Process: Step-by-Step Timeline for Homebuyers
You found a home, your offer was accepted, and now comes the part nobody explains well.…
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How to Make an Offer on a House: A Step-by-Step Guide for 2026
Finding the right home is exciting, but the real work starts when you decide to buy…
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Home Inspection Checklist: What Inspectors Check and How to Prepare
Buying a home is probably the largest purchase you’ll ever make, and a home inspection is…
Topics
- Best Lenders (5)
- Calculators (6)
- Home Buying (13)
- Loan Types (10)
- Refinancing (5)
Hi, I’m José María
I started Finanzasclave to explain mortgages and home buying in plain English, with clear examples and free calculators you can use before talking to a lender.
Buying your first home?
Start with the basics: how much you need for a down payment, how pre-approval works and what closing costs to expect.