01 · 3 tools
Run your numbers
Buying or refinancing — see the payment, the cash to close and what the loan amount means before you talk to anyone.
Purchase or refinance
Live mortgage calculator
Prices your scenario against current wholesale pricing, real California county loan limits and Fannie Mae pricing adjustments, so the result looks like an actual quote instead of a national average.
Open the calculator →Buyers and homeowners
Income tax savings calculator
Estimates how much the mortgage-interest and property-tax deductions could take off your taxable income in the first year — with a PDF you can hand to your tax preparer.
Estimate my tax savings →Conforming, high-balance, FHA
California loan limits by county
Look up the conforming, high-balance and FHA limits for any California county, so you know whether your loan amount is conforming or jumbo before you shop.
Look up my county →02 · 2 tools
Tap your equity
Keep a low first-mortgage rate and borrow against the value you have built.
How much could I tap?
HELOC equity calculator
Enter your home value and what you still owe to see roughly how much equity you could borrow against — without touching the rate on your first mortgage.
See my equity →Line of credit or fixed loan
HELOC vs. HELOAN
Compare a revolving line you draw as you need it against a fixed-rate home equity loan paid out all at once, and run the same equity numbers for either.
Compare the two →03 · 2 tools
Investors & self-employed
For borrowers whose income or deal does not fit a standard tax-return loan.
Self-employed, retirees, investors
Specialty program finder
Answer a few questions about how you earn your income and what you are buying, and see which programs fit — bank statement, P&L only, asset depletion, DSCR and more.
Find my program →Business purpose only
Hard money cost estimator
Type a loan amount to see the monthly interest-only cost, the prepaid interest at closing and the minimum property value the deal needs. Investment property only.
Estimate a deal →04 · 1 tool
Before you make an offer
The costs a listing price leaves out.
A calculator is a starting point
The real number comes from shopping the loan.
Every tool here works from what you type in. Aaron Knutson has been a loan officer since 2005 and has run Cali Mortgage since 2010 — he prices your actual scenario across more than 100 wholesale lenders and structures the loan so it makes sense for you, which is how he became known as the Refi Guy.
Questions
About these calculators.
No. Every tool here gives an estimate from the numbers you type in and from published data such as county loan limits. Your actual pricing depends on credit, the property, occupancy and the lender, and only comes from a Loan Estimate after you apply.
No. None of the tools on this page touch your credit. A credit report is only ordered once you decide to move forward with an application.
Buying or refinancing: the live mortgage calculator. Already own and want cash out without losing your rate: the HELOC equity calculator. Self-employed or investing: the specialty program finder. Not sure: send the short form and Aaron will run the numbers with you.
Yes. Calculators are a starting point. Aaron prices your actual scenario across many wholesale lenders — and he is known as the Refi Guy for structuring loans that make sense and save borrowers money.