The Studio A team at Rize Mortgage  ·  Plantation, FL  ·  Direct contact: Geoffrey Nguyen
Direct(760) 608-9941 · Geoff.Nguyen@homeloanstudio.com
Home Loan Studio · A Team at Rize Mortgage Refer a client
Calculator

Realtor calculator.

A scenario tool built for the realtor-buyer conversation. Side-by-side comparisons, fast affordability math, shareable links. In development.

01  ·  Run the math

Quick scenario math.

Side-by-side loan scenarios for your buyer conversations. Payment, affordability, refinance, and program comparison. Share scenarios directly with clients via the send button.

Inputs

Run a payment.

What does a specific home cost monthly. All inputs editable. Defaults are sensible starting points.

$
%
$
%
Estimate. Actual rate depends on credit, file, and lock timing.
%/yr
$ /yr
$ /mo
Result
Estimated monthly payment
$5,640
Principal & Interest $4,471
Property Tax $885
Insurance $125
Loan amount$680,000
Cash to close (estimate)$195,500
Total interest over loan term$929,400

Estimate only. Final payment depends on credit, program eligibility, lender fees, and rate lock. Subject to qualification.

Inputs

What can you afford?

Solves backward from income to a target purchase price. Useful when shopping a price range, not a specific home.

$
Before taxes. Combined household if joint application.
$
Car loans, credit cards, student loans, child support.
$
%
Max total monthly debt as % of income. Lower = more buffer.
Result
Maximum home price
$925,000
Max monthly payment $5,650
Max loan amount $775,000
Suggested target (80% of max for buffer)
$740,000
at $4,520/mo

Estimate only. Actual qualifying requires income/asset verification and credit pull. Subject to program eligibility.

Inputs

Is the refi worth it?

Compares your current loan against a refinance. Shows monthly savings and how long until closing costs are recouped.

$
%
%
If you have 27 years left of a 30-year, leave at 27.
$
Typically 1.5%-3% of loan amount.
Result
Monthly savings
$372
Current monthly payment $3,147
New monthly payment $2,845
Closing costs $6,000
Break-even point
16 months
Total lifetime savings: $87,000

Refi math depends on closing costs, time you'll stay in the home, and current loan terms. Discuss with Geoffrey before deciding.

Inputs

Compare loan options.

Same home, same down payment, different loan types side-by-side. Shows what each program does to the monthly payment and cash to close.

$
$
%
%
$ /yr
Result

PMI/MIP and program rates vary by file. DPA assumes Chenoa Fund repayable second covering 3.5% of price. Final pricing requires file review.

04  ·  Your direct contact

One person.
One number.

Working with the studio means working with Geoffrey. Phone goes to a phone. Email goes to an inbox that gets read. The file is worked by the same loan officer from application to closing.

Geoffrey Nguyen
Geoffrey Nguyen
Branch Manager  ·  NMLS# 485491
Direct line (760) 608-9941
Licensed in AZ  ·  CA  ·  FL  ·  IL  ·  NV  ·  TX
Refer a client Book a 15-minute call