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Tools · Illustration only

Mortgage calculators

Payment (PITI), affordability, cash-to-close, and refinance break-even tools. You enter every rate — nothing is prefilled as an offer from Tyler or NEXA. Illustration only — not a Loan Estimate or Closing Disclosure.

Powered by NEXA Mortgage, LLC · NMLS #1660690 · Tyler Oliver NMLS #2860777

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Calculator tools

Not a quote · Not a Loan Estimate. These tools never advertise Tyler Oliver’s or NEXA Mortgage, LLC’s rates, APRs, or payments. Interest rate fields start empty — enter a rate you want to model (for example after reviewing this week’s third-party national PMMS averages on the Home page). Results are educational illustrations only. NEXA marketing & compliance approval is required before public use.

Payment calculator (PITI)

Estimate monthly principal & interest separately from property tax, homeowners insurance, HOA, and optional mortgage insurance.

Purchase price you want to model
Never prefilled. See this week’s national average on Home if you want a market reference — that is not Tyler’s or NEXA’s rate.
Default estimate is illustrative only; actual MI varies widely by program and credit.
Estimated loan amount
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Principal & interest (P&I)
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Property tax / month
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Homeowners insurance / month
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HOA / month
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Mortgage insurance / month
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Taxes + insurance + HOA + MI
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Estimated total monthly (PITI+)
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Enter values to calculate.

Illustration only. This tool is not a Loan Estimate, Closing Disclosure, rate quote, rate lock, pre-qualification, or commitment to lend. Actual costs and payments vary by lender, settlement provider, county, credit, loan program, and property. Tyler Oliver, Loan Officer, NMLS #2860777 · NEXA Mortgage, LLC, NMLS #1660690 · Equal Housing Lender. NMLS Consumer Access.

Affordability calculator

Estimate a maximum home price using a stated debt-to-income (DTI) assumption. DTI limits vary by loan program.

Never prefilled. See this week’s national average on Home for a market reference only.
Default 36%. Adjustable 28–50%. Program limits vary.
Est. max loan amount
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Est. max home price
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Est. max housing payment (DTI)
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Enter income and a rate to estimate.

Illustration only. This tool is not a Loan Estimate, Closing Disclosure, rate quote, rate lock, pre-qualification, or commitment to lend. Actual costs and payments vary by lender, settlement provider, county, credit, loan program, and property. Tyler Oliver, Loan Officer, NMLS #2860777 · NEXA Mortgage, LLC, NMLS #1660690 · Equal Housing Lender. NMLS Consumer Access.

Closing-cost / cash-to-close estimator

Model estimated cash needed at closing. Fee fields are editable — leave blank or enter generic example ranges. This tool does not recommend or link to any title, escrow, or settlement company.

Never prefilled. Used only so this illustration is not a no-rate quote; no monthly payment is displayed here.
Estimated closing costs (editable)

Example-only placeholders — replace with figures from your Loan Estimate when you have one. No specific provider is cited.

Credits
Estimated loan amount
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Down payment
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Sum of fees & prepaids
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Seller credits + earnest
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Estimated cash to close
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Enter price, down payment, rate, and any fee estimates.

Illustration only. This tool is not a Loan Estimate, Closing Disclosure, rate quote, rate lock, pre-qualification, or commitment to lend. Actual costs and payments vary by lender, settlement provider, county, credit, loan program, and property. Tyler Oliver, Loan Officer, NMLS #2860777 · NEXA Mortgage, LLC, NMLS #1660690 · Equal Housing Lender. NMLS Consumer Access.

Refinance break-even calculator

Compare current principal & interest to a modeled new P&I and see how many months of payment difference it may take to recover closing costs.

Current loan
Modeled new loan Never prefilled. Not a rate offered by Tyler or NEXA.
Current P&I / month
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Modeled new P&I / month
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Monthly P&I change
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Months to break even
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Enter current details, a new rate, and costs.

Method limits: Ignores taxes, points tradeoffs, and loan-term reset effects. A longer new term can raise total interest paid even when the monthly payment falls.

Illustration only. This tool is not a Loan Estimate, Closing Disclosure, rate quote, rate lock, pre-qualification, or commitment to lend. Actual costs and payments vary by lender, settlement provider, county, credit, loan program, and property. Tyler Oliver, Loan Officer, NMLS #2860777 · NEXA Mortgage, LLC, NMLS #1660690 · Equal Housing Lender. NMLS Consumer Access.

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