Everything our clients use to understand their loan before, during, and after the deal. Calculators, the live market desk, blog explainers, and the entire client portal in one place.
Calculators · Powered by MyLoanIQ
The same tools we run on every call. Free to open, no signup needed.
Full PITIA breakdown with P&I, taxes, insurance, and mortgage insurance. Amortization schedule, extra-payment impact, and PMI removal projections.
Debt Service Coverage Ratio for investor loans. Tier positioning, cash-on-cash return, max-loan solver, and property-type-aware logic (STR included).
2-1, 3-2-1, 1-0, and permanent buydowns side-by-side. Upfront seller credit, breakeven months, and multi-year payment cliff chart.
"How much house can I afford?" Conv/FHA/VA/USDA/Jumbo with program-aware DTI caps, county loan limits, and side-by-side comparison across all five.
Long-term financial comparison with appreciation, opportunity cost, maintenance, transaction costs, and interest-deduction tax impact. Breakeven year chart.
TX-focused seller-side net-at-closing. Uses TX promulgated title rate schedule, tax prorations, HOA transfer, plus custom line items. Price-slider what-ifs.
Latest from the Blog
Education-first articles for borrowers, retirees, investors, and the agents who serve them.
Eligible veterans can use their VA benefit more than once. Here's exactly how the entitlement works and when it makes more sense than conventional.
A 50-year mortgage drops your payment, and dramatically inflates lifetime interest. Here's the math, the use cases, and where it goes sideways.
A side-by-side for the door-3 investor. When portfolio loans dominate. When DSCR is the only answer. Where blended structures win.
The question every adult child asks. Heirs retain options. Here's what actually happens to the home and the equity at the end.
The growing line-of-credit option is the one most retirees don't know exists, and it's often the smartest play.
Kitchens, baths, and curb appeal vs. pools, additions, and "smart" everything. The 2026 ROI numbers, by category.
For most homeowners, the wealth move is to hold and refinance into a rental. Here's the cash-flow math that decides it.
Where Austin inventory, days-on-market, and rates are sitting going into the back half of the year. Plus what we expect for fall.
A weekly read on Treasury yields, MBS pricing, and the data points lenders watch, translated for borrowers.
Every Friday, a short email: what moved rates this week, what to watch, and a 60-second take.
Quick Links
MyLoanIQ, MyFlyers, MyLola, and Lola AI, the same toolset we use to close loans is what powers these calculators and resources.
Open MyLoanIQ →Some questions are easier to answer on a 15-minute call than in a calculator. We'll save you the rabbit hole.
Schedule a Call →Austen Smith · NMLS #265697 · Barton Creek Lending Group NMLS #264320 · Equal Housing Lender