Live Rates
30 YR Fixed
6.04%
-0.01%
15 YR Fixed
5.60%
-0.02%
FHA 30 YR
5.79%
VA 30 YR
5.69%
ITIN
6.75%
Source: MortgageNewsDaily · Today

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Know Your True Cost

Answer 4 quick questions to see your true monthly cost of ownership. Then search real MLS listings with AI — just describe what you want in plain language.

Search MLS listings using plain language
“Show me quiet neighborhoods under $800K with good schools”
Currently using sample MLS data · Real data coming soon · Works with many MLS providers
1
Goals
2
Property
3
Loan
4
Results
5
Connect
What brings you here today?
Select your goal — we'll personalize everything based on your answer.
I'm buying a home
First home or moving up — let's find what fits your budget.
I want to refinance
See if a lower rate could save you thousands.
First-time buyer
Special programs may get you in with as little as 0-3% down.
Programs Available
Just exploring
See what a mortgage would cost before you decide.
What's my home worth?
Get an AI-powered estimate of your property's value.
AI Powered Coming Soon
Where and how much?
Select a neighborhood or enter a custom price — we pre-fill local tax rates.
Salinas
$700K
Median
East Salinas
$534K
Median
Marina
$827K
Median
Seaside
$795K
Median
Soledad
$480K
USDA Eligible
Custom
Enter price
Home Price
$700,000
$200K$500K$1M$1.5M
Down Payment
$140,000 (20%)
0%3.5%10%20%50%
Current Monthly Rent
$2,200
$500$2K$3.5K$5K
Your Finances (Optional)
Gross Monthly Income
$ /mo
Before taxes. Combined if buying with a partner.
Monthly Debt Payments
$ /mo
Car loans, student loans, credit cards, etc.
Choose your loan type
We'll use today's live rate for your selection. Not sure? We'll recommend one after.
30 YR Fixed ⓘ
6.04%
Most Popular
Lowest monthly payment. Best for long-term stability.
15 YR Fixed ⓘ
5.60%
Pay off faster, save massive interest over time.
FHA 30 YR ⓘ
5.79%
Low Down
3.5% down, flexible credit. Used by 29% of Hispanic buyers.
VA Loan ⓘ
5.69%
0% Down
0% down for veterans and active military.
USDA ⓘ
5.85%
Rural 0%
0% down in eligible rural areas. Soledad, San Lucas qualify.
ITIN Loan ⓘ
6.75%
Sin SSN
No SSN required. Qualify with tax ID and alternative credit.
Your Personalized Breakdown
Based on today's live rates · Monterey County tax rate 1.25% applied
Because your hard work deserves a clear plan.
Estimated Monthly Payment
$0
Principal · Interest · Tax · Insurance
30 YR Fixed 6.04% today's rate
Principal & Interest ⓘ
$0
Per month
Loan Amount ⓘ
$0
After down payment
Equity in 5 Years ⓘ
$0
Principal paid down
Total Interest Paid ⓘ
$0
Over full loan term
Cash Needed to Close
True Monthly Cost of Ownership
Every dollar you'll spend each month
Principal & Interest ⓘ$0
Property Tax ⓘ$0
Find a more accurate property tax by searching the listing address on your county property appraiser's website.
Homeowner's Insurance ⓘ$0
Monterey County: Wildfire & earthquake risk may add $50–$75/mo to your premium.
PMI (under 20% down) ⓘ$0
Maintenance Reserve ⓘ$0
1.0%
Covers: roof, HVAC, plumbing, appliances, landscaping
Estimated Utilities ⓘ$0
Electric ~$175 · Gas ~$110 · Water ~$80
Total
$0
True Monthly Cost $0
How Your Costs Change Over Time
Year P&I Tax Insurance PMI Total/mo
P&I stays fixed. Tax assumes 2.5%/yr increase. Insurance assumes 3%/yr increase. PMI drops when equity reaches 20%.
Your Amortization Breakdown
Principal > Interest at payment --
Year Principal Interest Balance
View full 30-year schedule →
Pay Off Faster
Interest Saved $0
Time Saved 0 mo
New Payoff --
See full payoff analysis →
Rate Impact Over 30 Years ⓘ
RateMonthly P&ITotal Interestvs Today
Salinas Market Trends (2 Years)
Rent vs. Buy After 10 Years
Buying
+$0
Net equity after 10 yrs
Total paid$0
Equity built$0
Renting
-$0
Spent with $0 equity
Total rent paid$0
Equity built$0
Buying breaks even with renting in -- months.
Programs You May Qualify For
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from Local Lenders
A bilingual mortgage specialist will review your numbers and contact you within 24 hours with competing lender offers.
Monthly
$0
Loan
30 YR
Rate Used
6.04%
<580
Rebuilding
580-619
Fair
620-679
Good
680-739
Very Good
740+
Excellent
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You're all set

A bilingual mortgage specialist will reach out within 24 hours with personalized competing rate quotes based on your $0/month estimate.

This calculator provides estimates only and does not constitute a loan offer. Rates are sourced from MortgageNewsDaily and may vary. Consult a licensed lender for official quotes.
Made with lots of coffee, no sleep, and love :)
For Real Estate Agents
Salinas reminder: hard work + a plan beats hope every time.

Full Amortization Schedule

Year Principal Paid Interest Paid Total Paid Remaining Balance

Payoff Analysis

Year Standard Balance Accelerated Balance Savings