Free tools that do the math most lenders skip.
Both tools are built and maintained by us. No signup walls, no email gates, no upsell after the result.
The Home Buyer's Loan Checklist
Everything to work through before you talk to a lender, then exactly what to do once you start shopping. Check items off as you go, and pick up right where you left off next time.
- 62 items across the full buyer journey
- Copy-paste prompt to think it through with AI first
- Exact scripts for what to say when a lender stalls
- Progress saves automatically, no signup
Mortgage Payoff & Amortization Calculator
See your full amortization schedule, then watch it change as you add extra principal. Model paying more monthly, a one-time lump sum, or a recast, and see exactly how much interest you save and how much sooner you're free.
- Month-by-month schedule you can download as CSV
- Model monthly extra, lump sums, annual extra, and recasts
- Compare multiple loans side by side
- Interest saved and payoff date update as you type
How to Read a Loan Estimate
An interactive walk through pages 1 and 2 of the Loan Estimate. Learn what every term and cost actually means, then flip one switch to see which ones a lender truly controls and which should be identical no matter who you pick.
- Page 1 terms and page 2 costs, in plain language
- Click the form or the explanation, they sync
- Compare mode flags the manipulation levers
- Uses a real sample estimate, no signup
Keep Lenders Honest
Paste any quote from any lender, any state. KLH benchmarks rate, fees, and APR against today's wholesale market and flags the line items that shouldn't be there. The methodology is published.
- Loan Estimate or rate sheet, both work
- Itemized flags with dollar impact
- Live wholesale benchmark, daily
- No, you don't have to share it with us
RefiWatch
Plug in your existing loan and RefiWatch tracks live wholesale rates against your break-even math every day. You get a single answer: does refinancing make sense for me, today?
- True break-even, not a marketing one
- Daily refresh against wholesale sheets
- Email alert when your trigger hits
- Accounts for fees, not just rate
PaymentComfort
What your monthly will feel like, not just calculate to. Built around your actual spending, not a mortgage calculator’s assumptions.
Tools first. Calls second.
Run the math yourself. If you want someone to run your actual numbers, the session is free.