Calculators - Tools - Answers

Mortgage Payment

Full PITIA payment — including principal, interest, taxes, insurance, MI, and HOA—can be easily calculated using mortgage financial tools like a mortgage payment calculator.

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Affordability

Mortgage Payment

How much house can you actually qualify for? Use mortgage financial tools like our mortgage payment calculator and the PIITA calculator to compare maximum prices across 5 loan programs, factoring in DTI, MI, and fees.

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Rent vs Buy

Mortgage Payment

Rent vs Buy

Should you buy or keep renting? Use mortgage financial tools like a mortgage payment calculator for a month-by-month simulation that considers appreciation, opportunity cost, and tax savings.

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DSCR Rental

Rate Buydown Comparison

Rent vs Buy

The Debt Service Coverage Ratio for investor loans qualifies based on the property's cash flow rather than your personal income, making it one of the essential mortgage financial tools. For those looking to understand their financial obligations better, using a mortgage payment calculator or a PIITA calculator can provide valuable insights.

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Rate Buydown Comparison

Utilize mortgage financial tools to compare temporary and permanent buydowns side-by-side — focusing on upfront costs, monthly savings, and breakeven. You can also use a mortgage payment calculator or the PIITA calculator to further analyze your options.

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Seller Net Proceeds

Rate Buydown Comparison

What sellers actually walk away with at closing includes various factors specific to Texas, such as TDI-promulgated title rates, property-tax prorations paid in arrears, and commission splits. Additionally, sellers should consider line items like HOA fees and warranty repair costs, alongside utilizing mortgage financial tools like a mortg

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Disclaimer

Barton Creek Lending Group NMLS # 264320 is an Equal Housing Lender. Barton Creek Lending Group is not an agency of the federal government or acting at the direction of HUD/FHA. Our programs, rates, terms, and restrictions are subject to change without notice. Underwriting terms and conditions apply, and we provide various mortgage financial tools to help you understand your options.

Texas Recovery Fund Notice

Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department's website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550.

The department maintains a recovery fund to provide payments for certain actual out-of-pocket damages sustained by borrowers due to the actions of licensed mortgage banker residential mortgage loan originators. To assist you in managing your mortgage, we offer tools such as a mortgage payment calculator and a PIITA calculator for more accurate financial planning. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department's website at www.sml.texas.gov.