Get your real rate from Jeff Shin
These numbers are estimates. For your actual rate from 100+ wholesale lenders, book a free 15-minute call. No credit pull. NMLS #1041652.
See what your rate actually looks like once credit, down payment, and loan type are factored in. Personalized savings recommendations built on the same pricing adjustments every lender applies. No sign-up. Real numbers.
Real rate based on your credit score, down payment, and loan type.
Edit if you have a quote from a lender.
Is a refinance worth it? Find your break-even month.
Standard rate-and-term refinance.
Add every debt you want to roll into one loan. See your true blended rate and whether consolidating actually saves you money.
Use today's market rate for the loan type you'd consolidate into (conventional, FHA, VA cash-out, or HELOC).
Based on a 43% debt-to-income ratio (conservative standard). Higher limits may be available with the right lender.
One extra payment per year saves shocking amounts.
Preview of your first 5 years below. Get the full 30-year schedule + Jeff's Weekly Rate Watch emailed to you as a PDF.
| Year | Payment | Principal | Interest | Total Interest | Balance |
|---|
We'll email you a clean PDF with all 360 months. Plus Jeff's weekly "Rate Watch" so you know when your rate actually drops.
These numbers are estimates. For your actual rate from 100+ wholesale lenders, book a free 15-minute call. No credit pull. NMLS #1041652.
Straight answers. No fluff.
The rate you see advertised on TV or bank websites is usually a floor rate for perfect borrowers. Your actual rate gets adjusted based on your credit score, down payment, and property type. We apply these adjustments automatically so you see the real rate, not a teaser. The base rate we track mirrors the industry average (Freddie Mac PMMS and FRED).
Conventional PMI rates shown use industry-standard published rate cards as our benchmark. Actual PMI varies by less than 0.02% across major mortgage insurance providers. Remember: PMI is based on your credit score and LTV, not the lender.
No. FHA MIP is a government-backed insurance premium set by HUD. Every FHA borrower pays the same MIP rate for the same loan term and LTV, regardless of credit score. If your LTV is above 90% at origination, MIP stays for the life of the loan. The only way to remove it is to refinance to conventional.
The VA funding fee is a one-time government fee, not mortgage insurance. It can be financed into the loan. Disabled veterans, Purple Heart recipients, and surviving spouses are exempt. First-use at zero down is 2.15%; subsequent-use at zero down jumps to 3.30%. At 5% or more down, both first and subsequent use drop to 1.50%. For a VA IRRRL (streamline refinance), the fee drops to 0.50%.
Pricing has hard tier boundaries. At exactly 85% LTV (15% down), you sit at the top of one pricing tier. At 85.01% LTV (a single penny less down), you fall into the next tier up, which prices worse. We flag these cliffs and show you exactly how much more to put down to stay in the better tier.
The calculator uses industry-standard pricing adjustments and PMI benchmarks. Your actual rate depends on the specific lender's pricing sheet, occupancy, property type, and any compensating factors. For your real rate from 100+ wholesale lenders, book a free call with Jeff.