Basic Mortgage Calculator
A simple, no-friction way to estimate your monthly principal and interest payment. Adjust home price, down payment, term, and rate, the result updates as you type.
- Instant P&I estimate, no email required
- Conventional, FHA, and VA presets with today's rates
- Toggle taxes & insurance if you want the full picture
- Need help? Call (877) 870-0007 or use the form below
Today's Mortgage Rates: OnPoint vs National Daily Average
Side-by-side comparison of OnPoint Mortgage Pro's current wholesale-broker rates versus the national daily average reported by Mortgage News Daily. We shop your file across 20+ wholesale lenders to deliver pricing below the retail-bank average.
| Loan Type (30 Year Fixed) | OnPoint Rate | National Avg | You Save |
|---|---|---|---|
| Conventional | 5.75% | 6.67% | −0.92% |
| FHA | 5.25% | 6.22% | −0.97% |
| VA | 5.25% | 6.24% | −0.99% |
| Jumbo | 5.75% | 6.75% | −1.00% |
Rates shown are 30-year fixed, par pricing for well-qualified borrowers. Your actual rate depends on credit score, down payment, loan-to-value, property type, and lender. APR, fees, and points apply. Equal Housing Lender.
Get My Personalized Rate
20+
Wholesale Lenders Shopped
20+ Yrs
Originating · LO Since 2005
OnPoint Mortgage Pro · NMLS #2134550 · Headquartered in Irvine, California · Licensed in CA, CO, FL, ID, MD, NH, SC, TX, VA · Equal Housing Lender
How to Use This Calculator
Three quick steps. The numbers update instantly, no submit button needed.
1
Pick Your Loan Type
Conventional, FHA, or VA. Selecting one auto-fills today's OnPoint rate for that program. You can override it any time.
2
Enter Price & Down
Use the home price you're considering, then set down payment as a percentage or dollar amount. Most first-time buyers go 3% to 10%.
3
See Your Payment
The right panel shows your monthly principal and interest, the loan amount, total interest, and the payoff date. Want a real quote? Use the form below.
Need the full PITI calculator with taxes, insurance, and PMI? Use the advanced version →
Have Questions? Talk to a Licensed Loan Officer.
The calculator gives you the math. Victor gives you the strategy, which loan type fits your file, what closing costs will look like, and which of our 20+ wholesale lenders is pricing best today.
Victor Santos
Senior Loan Officer · NMLS #888844 · 20+ Years
Originating mortgages since 2005. Reverse mortgage specialist, jumbo, conventional, FHA, VA, and Non-QM. Personal phone & email, no callback queues, no junior reps. Quotes shopped across 20+ wholesale lenders.
What Real Clients Say
Verified Google Reviews from OnPoint Mortgage Pro clients. No edits, no curation.
Get Your Personalized Rate Quote
Answer a few quick questions and a licensed loan officer will shop your file across 20+ wholesale lenders. Real rate sheet within one business day. No credit pull, no obligation.
Prefer to Talk to a Human?
Call us directly during business hours, or send your quote request and a licensed loan officer will reach out within one business day.
(877) 870-0007Calculator Disclosures
This basic mortgage calculator provides estimates for educational and planning purposes. It calculates principal and interest only using the standard amortization formula M = P × r(1 + r)n ÷ [(1 + r)n − 1]. It does not include property taxes, homeowners insurance, mortgage insurance (PMI / MIP), HOA dues, or closing costs. For a full PITI breakdown including those costs, use our advanced mortgage calculator.
This is not a loan offer, loan estimate, or commitment to lend. Actual rates, fees, mortgage insurance costs, property tax assessments, and homeowners insurance premiums depend on individual circumstances and lender underwriting and may differ materially from the estimates shown here.
Rate comparison data: OnPoint rates reflect par pricing for well-qualified borrowers on our internal wholesale rate sheet on the date shown. National average rates sourced from Mortgage News Daily on the same date. Rates move daily and your specific rate depends on credit score, loan-to-value, debt-to-income, occupancy, property type, and loan type. APR is always higher than the interest rate and is the more useful comparison metric across competing offers.
OnPoint Mortgage Pro · NMLS #2134550 · Equal Housing Lender. Licensed in California, Colorado, Florida, Idaho, Maryland, New Hampshire, South Carolina, Texas, and Virginia. All loans subject to credit approval. Rates and program details current as of 2026 and subject to change.