Tools

See your numbers first

The free tools our students use in class.

What can I afford?

How much home can I afford?Your max price from income, debts and down payment.Debt-to-income (DTI)Front- and back-end DTI the way lenders figure it.Budget your incomeSplit income into needs, wants and savings.

What will I pay, and how much cash do I need?

Monthly payment (PITI)Principal, interest, tax, insurance, PMI and HOA.Down payment and cash to closeDown payment plus closing costs for your state.Rent or buy?Rent paid versus equity built, year by year.

Choose a loan and compare quotes

Compare two offersRate, APR, fees and the break-even on points.ARM or fixed?Payments during and after the fixed period.

After you buy

Extra principal paymentsInterest saved by paying a little extra.Should I refinance?Break-even and total savings.

Quiz: are you ready to buy?10 questions, about 3 minutes.

Save your seat in the next class — $49

Your tuition is refunded in full when you finish the course and close your loan or first home with Wonder Rates. Refund terms are confirmed at registration.