Free mortgage payment calculator with PITI, PMI, and HOA. Show borrowers real monthly payments on your loan officer website — every use is a lead.
The most-used mortgage tool on the web — branded to you, wired to your CRM.
Full PITI: principal, interest, taxes, insurance, PMI, and HOA. Real, honest numbers with a one-click 'get pre-approved' button that routes every lead into your pipeline.
The Mortgage Payment Calculator is the most-searched mortgage tool on the internet — 'mortgage calculator' gets over a million monthly searches in the US alone. LoanOfficer.ai gives you a branded version that lives on your own website, shows a realistic PITI monthly payment (principal, interest, taxes, insurance, PMI, HOA), and captures every serious borrower with a built-in lead form.
Unlike generic calculators on Bankrate or Zillow — which sell the resulting leads to competitor loan officers — this one keeps the borrower on your website and routes every quote request straight into your CRM.
'What's my payment?' is the single most-asked question in mortgage. Every borrower runs the numbers before calling anyone. If they run them on your site, you win the relationship. If they run them on Zillow, Zillow wins the lead.
Plus rate, term, taxes, insurance, HOA if applicable.
Principal, interest, taxes, insurance, PMI, and HOA broken out.
Optional debt-to-income view so borrowers can see if they qualify.
Impressed borrowers request pre-approval — the lead hits your CRM.
Even at 11pm the AI reaches out, qualifies, and books an appointment.
Principal, interest, property tax, homeowner's insurance, PMI, and HOA.
Show payment impact of 5%, 10%, 15%, 20% down.
PMI computed from LTV and drops off automatically at 78% LTV.
Conventional, FHA, VA, USDA, and Jumbo with correct MI treatment.
Estimates taxes from ZIP code or lets borrowers override.
Common in condos and planned communities — often missed by generic calculators.
Enter income and debts to see max qualifying payment.
Logo, headshot, NMLS, and colors — you own the borrower's mental model of 'my LO'.
'Get pre-approved' button routes to CRM with full scenario attached.
Branded payment summary for the borrower to save and share.
Optimized for the phone in the borrower's hand.
Make it your homepage hero. 'What's my payment?' is the first thing every borrower asks.
Embed on every buyer landing page — leads route back to you as their loan officer.
Standardize the calculator experience across the entire team.
Loan officers pull up the calculator live on inbound calls to walk borrowers through scenarios.
Send borrowers a branded payment scenario as a follow-up after a conversation.
'Mortgage calculator' is the most-searched mortgage keyword — a huge organic traffic opportunity for your site.
One-click 'get pre-approved' turns curiosity into a real CRM record.
Interactive calculators significantly improve dwell time, which lifts SEO rankings.
A calculator branded to you positions you as the expert — not just a form on Zillow.
Yes. Full PITI: principal, interest, property tax, homeowner's insurance, PMI, and HOA if applicable.
PMI is estimated based on loan-to-value ratio and credit range. It's included automatically when LTV is above 80% and drops off when LTV falls below 78%.
Yes. FHA MIP and VA funding fee treatments are correctly modeled.
Yes — enter a ZIP code and the tool estimates local property taxes. Borrowers can override with actuals.
Yes. Enter income and monthly debts and the tool shows a max qualifying payment based on standard DTI ratios.
Yes — one line of HTML on any site.
Yes, fully responsive.
Yes — branded PDF with your logo, headshot, and NMLS.
The lead lands in the LoanOfficer.ai CRM with the full scenario attached. The AI assistant responds in under 60 seconds.
Yes — toggle Conventional, FHA, VA, USDA, or Jumbo in the dashboard.
Yes — the $1 for 14-Day Trial gives you full access to the Payment Calculator plus every other tool in LoanOfficer.ai. No credit-card surprises, no locked features.
No. Onboarding is white-glove — our team configures the tool, connects it to your CRM and calendar, and hands you a working setup. Most loan officers are live in under a week.
Yes. Every embeddable LoanOfficer.ai tool ships as a lightweight snippet that drops into WordPress, Wix, Squarespace, HubSpot, Webflow, or a custom site with one line of HTML.
All borrower data is encrypted in transit (TLS 1.3) and at rest. Access is role-based and audit-logged. LoanOfficer.ai is built for regulated mortgage teams — not a generic marketing tool.