🏠
PocketMLO
Your pocket mortgage loan officer. Know exactly what you can afford.
DTI Analysis
PITI Calculator
Reverse Calc
EN / ES
Step 1 of 5
💰
What's your income?
We'll use this to calculate your debt-to-income ratio (DTI) and maximum qualifying payment.
$
/ mo
$
/ mo
💳
Monthly debt payments?
Enter the minimum monthly payments on all recurring debts. Don't include rent — we're replacing that.
🚗
Car Payment(s)
$
💳
Credit Cards (min payment)
$
🎓
Student Loans
$
📋
Other Debts
$
Current Back-End DTI
—
0%Ideal <36%Max ~43%60%
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Cash on hand?
Include savings, checking, and any gift funds you plan to use. This determines your down payment options.
$
total
🌱
3.5% FHA
🪴
5% Conv.
🌿
10% Conv.
🌳
20% No MI
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Credit & loan profile
This helps estimate your rate and loan options. You won't be pulled — it's just a range.
⚠️
580–619
🔵
620–659
🟢
660–719
⭐
720+
%
🎯
Your Affordability Picture
Based on your profile, here's what you can comfortably afford.
Estimated Max Purchase Price
—
based on 43% DTI guideline
Conservative: —
Stretch: —
Combined Income —
Monthly Debts —
Max Housing Payment (43% DTI) —
Cash Available —
Down Payment Plan —
Credit Range —
PocketMLO
—
Income/mo
—
DTI
—
Cash
Loan Details
Purchase Price
$
Down ($)
$
Down (%)
%
Rate
%
Term
PITI & Extras
Prop Tax/yr
$
HOI/mo
$
HOA/mo
$
MI Rate/yr
%
Include MI
Total Monthly Payment
$0
—
P & I
$0
Tax/mo
$0
HOI/mo
$0
MI/mo
—
HOA/mo
$0
Loan Amt
$0
P&ITaxIns+MI