Nick Grisanti, Mortgage Loan Originator · NMLS #2719729 · FL #LO138662 · OH #MLO-OH.2719729 · TN #2719729 · TX SML licensed · C2 Financial Corporation · NMLS #135622
Real math for buyers, homeowners and investors, including state closing taxes and DSCR ratios most national calculators get wrong. Run a scenario in about a minute.
Calculators
Principal, interest, taxes, insurance - broken out monthly. Includes Florida property tax estimates and homeowners insurance ranges by county.
Open calculator →How much home can you afford? Front-end and back-end DTI, plus a realistic Florida-cost-of-ownership view (insurance, HOA, taxes).
Open calculator →Debt-service coverage ratio for investment property. Plug in rent, PITI, HOA - get the ratio and see how the payment stress-tests.
Open calculator →Break-even analysis: closing costs vs. monthly savings. Includes cash-out scenarios and rate-and-term comparisons.
Open calculator →Itemized buyer and seller costs by state: Florida doc stamps and intangible tax, Ohio conveyance fees, Tennessee transfer and mortgage tax, Texas title, plus title insurance and recording.
Open calculator →5-year comparison. Equity build, tax benefits (or lack thereof in Florida), and total cost of ownership vs. rent inflation.
Open calculator →See exactly how much interest a shorter term saves - side-by-side monthly payment, total cost, and payoff date.
Open calculator →Should you pay extra or refinance? Compare total cost, net savings, and find the exact month where refinancing starts to win.
Open calculator →Calculators give estimates. A conversation with us gets you actual rates from 100+ wholesale lenders.