TOOLS & RESOURCES
Calculators and guides
Run the numbers. Know the rules.
Free calculators built for Florida, and plain-language guides to the parts of buying and refinancing that trip people up. No sign-up, and nothing you type leaves your browser.
Calculators
Six calculators, one for each question.
Payment calculator
Principal, interest, taxes, insurance, HOA, flood and PMI in one number.
OpenAffordability calculator
The price range your income, debts and down payment support.
OpenFlorida closing costs
Doc stamps, intangible tax and title premiums at Florida’s statutory rates.
OpenDebt-to-income calculator
The ratio lenders look at first, worked out for you.
OpenRefinance break-even
How many months until a refinance pays for itself.
OpenRental DSCR calculator
Whether a rental’s rent covers its full payment.
OpenGuides
Reference for Florida buyers and owners.
General information only. Requirements vary by borrower, property, program and lender.
South Florida buyer’s guide
Property taxes and homestead, insurance and flood, condo rules and closing.
ReadFlorida closing costs
What you’ll pay at closing and when you’ll see it.
ReadCredit and your mortgage
How lenders read your score and what moves it.
ReadRefinancing
When it makes sense and which option fits your goal.
ReadInvestment and commercial
How income property is financed.
ReadFinancing FAQ
Straight answers to the questions we hear most.
ReadReady to move beyond estimates?
Start your pre-qualification online. Or call 305-933-1626 to talk it through.