First-Time Homebuyer Tools | Your Mortgage Company
Free Homebuyer Tools
Your Path to
Homeownership
Starts Here
Eight free, interactive tools designed to guide you from your first thought about buying a home all the way to the closing table — at your own pace, with no pressure.
8
Free Tools
100%
No Login Required
0
Hidden Fees
Interactive Tools
Everything You Need to Plan Your Purchase
Tool 01
Am I Ready? Quiz
Answer 8 simple questions and get a personalized readiness assessment with a custom action plan — the perfect starting point.
Start the Quiz
Tool 02
Home Affordability Calculator
Find out how much home you can realistically afford based on your income, debts, and down payment savings.
Calculate Now
Tool 03
Rent vs. Buy Calculator
Compare the true long-term cost of renting vs. buying, including the wealth you'd build as a homeowner over time.
Compare Now
Tool 04
Mortgage Payment Calculator
Get a full PITI payment breakdown, amortization schedule, and see exactly how much interest you'll pay over the life of the loan.
Calculate Payment
Tool 05
Savings & Down Payment Planner
Build a concrete savings timeline, see how long until you hit your goal, and discover down payment assistance programs in your area.
Plan My Savings
Tool 06
Monthly Budget Builder
See your complete cost of homeownership — mortgage, taxes, insurance, maintenance, and more — side by side with your current rent.
Build My Budget
Tool 07
Credit Score Guide
Understand what credit score you need, which loan programs you may qualify for, and get a personalized credit improvement checklist.
Check My Score
Tool 08
Loan Program Finder
FHA, Conventional, USDA, VA, or State Bond? Answer a few questions to instantly discover which loan programs you're most likely to qualify for.
Find My Program
Your Journey to Homeownership
1
Stage One
Awareness
2
Stage Two
Education
3
Stage Three
Preparation
4
Stage Four
Application
5
Stage Five
Closing