Free Mortgage Tools.
White-Label Power for Brokers.
Professional mortgage calculators for homebuyers — and a complete lead capture system for brokers who want to own every inquiry that visits their site.
Mortgage Decision Engine
Not just payments — a full buyer readiness picture. Score 0–100, DTI zone chart, live What-If simulator, and automatic HOT LEAD alert to your broker. 38 data points in 3 minutes.
Free · No signup · Results in 3 minutes
Buyer Profile
Future-Ready Buyer
What-If Simulator
Watch the Lead Engine in Action
Buyer completes 3-minute assessment → HOT LEAD alert hits broker inbox → lead saved to Google Sheets.
One-time setup · No monthly fees · Your brand · 48-hr delivery
US Mortgage & Finance Calculators
All free. No signup required. Built for homebuyers, loan officers, and real estate professionals.
Mortgage Decision Engine
Full buyer readiness score 0–100, DTI chart, What-If simulator, HOT LEAD alert. The most advanced free mortgage tool available.
Try Free →Mortgage Affordability Calculator
How much home can you afford? Based on income, debts, down payment, and expenses.
Check Affordability →Mortgage Payment Calculator
Full monthly breakdown with amortization, taxes, and insurance. Real numbers, not just P&I.
Calculate Payment →DTI Ratio Calculator
Front-end and back-end DTI instantly. Eligibility across Conventional, FHA, VA, USDA.
Check DTI →Mortgage Refinance Calculator
Exact monthly savings and break-even point for refinancing decisions.
Check Savings →Rent vs Buy Calculator
Long-term financial comparison of renting vs buying. Helps fence-sitters decide.
Compare Now →HELOC Calculator
Model equity borrowing power, draw amount, and repayment scenarios.
Calculate HELOC →Loan Comparison Calculator
Side-by-side — monthly payments, true APR, total cost, and break-even.
Compare Loans →Branded Demos for US Brokers
Click any demo to see a live branded calculator — exactly what you'd get installed on your site.
🏦 Raleigh Mortgage Group
Payment calculator with branded lead form, rate quote capture, and amortization schedule.
View Demo →🏦 Mecklenburg Mortgage
Amortization, PDF export, 15 vs 30-year comparison, pre-approval lead form.
View Demo →🏦 MML Decision Engine
Buyer scoring, DTI zone, What-If simulator, instant HOT LEAD alert.
View Demo →Mortgage & Finance Resources
Practical guides for homebuyers, brokers, and finance professionals.
How I Built a Mortgage Decision Engine That Pre-Qualifies Borrowers and Captures Leads
Read Article →Why Mortgage Brokers Struggle to Generate Leads Online (And How to Fix It)
Read Article →Mortgage Calculator with Lead Capture: How Brokers Convert More Website Visitors
Read Article →As Featured On
Logos used for reference only. All trademarks belong to their respective owners.
About the DeveloperBuilt by Sanjeev Kumar
Self-taught developer from Jammu, India. I build fast, lead-capturing mortgage calculators for US brokers — personally coded, tested, and installed. Not outsourced, not subscription-based.
10+ years in SEO & web performance · Listed on G2, HackerNoon & Inc42 · Trusted by US mortgage professionals
- 8 mortgage lead tools built
- Personally built & maintained
- 10+ years SEO & performance
- Listed on G2, HackerNoon & Inc42
- Trusted by US mortgage brokers
- Zero subscription fees — ever
Disclaimer: OurNetHelps provides financial calculators for informational and educational purposes only. We are not a lender, broker, or licensed financial advisor. Results are estimates only. Always consult a qualified financial professional before making any financial decisions.