TPO Kit
Free mortgage calculators and market data for loan officers.
No sign-up. The math runs in your browser. Send any result by link or PDF with your name on it.
Loan Comparison
Up to three options side by side, with APR, payment, total cost and both break-evens.
Try the Loan ComparisonRefinance Break-Even
New payment, monthly difference and the month closing costs are earned back, with the restarted term counted.
Try the Refinance Break-EvenQualifying Income Worksheet
Qualifying income for salary, hourly, overtime, bonus, commission, Schedule C and fixed income, with each calculation shown and declining income flagged.
What does it leave out?
Self-employed income from returns other than Schedule C. It doesn't replace Form 1084, the agency income calculators or an underwriting decision: your investor's guide and the AUS findings decide what counts.
DTI and Maximum Loan
Maximum payment, loan amount and purchase price at the ratios entered, checked against the county limit and its growth since 2022.
Try DTI and Maximum LoanMarket Data
Loan Limits by County
See Loan Limits by County
Conforming and high-balance limits for every county, one to four units, from FHFA files.Home-Price Trends by State and County
See Home-Price Trends by State and County
How home prices have moved in each state and county, from FHFA files.
Shared Results
Any result goes to the borrower by link or PDF with your name on it.
Refinance Break-Even
Prepared by Jordan Pike · Emerson Ridge Mortgage · NMLS ID 000000
Total-cost break-even
13 mo
Monthly difference $387
New monthly payment $2,270
| Keep current loan | Refinance | |
|---|---|---|
| APR | — | 6.375% |
| Rate | 7.500% | 6.250% |
| Payments left | 324 months | 360 months |
| Closing costs | — | $4,800, paid at closing |
| Loan amount | $368,654 | $368,654 |
| Monthly payment | $2,657 | $2,270 |
Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.
APR counts every closing cost and point as a finance charge unless the lender's fees and points are entered separately.
OriginationDecisions
Origination and Decisions, from TPO Stack.
Origination: loan origination software for mortgage brokers. Decisions: loan comparison and borrower presentation software. Each is sold on its own, and early access is by request.