Real math, no funnel
Straightforward mortgage math, no strings attached. These tools show you the real numbers — the ones that don’t always make it into a sales pitch — so you can decide with the full picture. Built and maintained by Matt Mergo · Forest Hills Mortgage · NMLS #563819
Calculator
Mortgage Calculator
Estimate your monthly payment — principal, interest, taxes, and insurance — and see how rate, term, and down payment move the number.
Open the tool → CalculatorRefinance Buydown Calculator
Compare what a 2-1 or 1-0 temporary buydown actually costs against taking the same rate as a lender credit — side by side, on your own loan.
Open the tool →
Coming soon
Refinance Break-Even Calculator
See how long it takes for a refinance to pay for itself — and whether the math works before you commit.
In the works
Coming soon
Discount Points Calculator
When does permanently buying down your rate actually beat keeping the cash? Run the break-even on points.
In the works
Have a scenario that doesn’t fit a calculator?
Every deal is different. Send me your real numbers and I’ll run the full comparison with you — no funnel, no pressure.
Talk to Matt