Built by LOs, for LOs

Loan comparisons made clear.

Give borrowers a clean side-by-side view of Conventional, FHA, VA, USDA, purchase, and refinance options with real closing cost breakdowns and a borrower-ready presentation.

Open the Tool See What It Does

✓ Up to 4 scenarios

✓ Purchase + refinance

✓ Clean PDF-ready layout

Mortgage Loan Comparison

$500,000 Purchase · Florida · 760 FICO

Borrower-ready

Conventional

$3,842/mo

Rate7.125%

Cash to Close$117,450

FHA

$4,109/mo

Rate7.375%

Cash to Close$38,210

$3,988/mo

Rate6.875%

Cash to Close$19,840

Clear monthly payment, cash-to-close, and program tradeoff summaries. →

Conventional

FHA

Down Payment

20%

3.5%

MI / Funding Fee

Yes

Best For

Lower payment

Lower cash to close

Simple enough for borrowers.

Detailed enough for loan officers to explain the real tradeoffs clearly.

What’s Included

Everything a loan officer needs in one clean comparison.

Built around the way real loan conversations happen: payment, cash to close, rate, APR, MI, funding fees, credits, points, and the practical reason one option may fit better than another.

Side-by-side scenarios

Compare up to four loan options at once with independent loan type, rate, term, price, loan amount, down payment, and closing cost inputs.

Borrower-ready clarity

Use the tool to explain the tradeoffs without burying the borrower in raw numbers or hard-to-read spreadsheet outputs.

PDF-ready presentation

Create cleaner borrower-facing summaries that feel like a professional loan proposal, not a browser printout.

Closing cost breakdowns

Show lender fees, credits, points, prepaid items, escrow reserves, title fees, recording costs, and estimated cash to close.

MI, MIP, and funding fee logic

Compare Conventional PMI, FHA MIP, VA funding fees, and USDA guarantee fee differences in one place.

Purchase and refinance

Use the same comparison framework for purchases, rate/term refinances, cash-out, FHA streamline, and VA IRRRL scenarios.

Workflow

From loan quote to clear borrower decision.

Open the tool, build the options, explain the tradeoffs, then share or save the comparison for the borrower.

Enter the scenario

Start with purchase or refinance details, property state, price or value, FICO, loan type, rate, and term.

Add loan options

Compare Conventional, FHA, VA, USDA, different rates, down payments, credits, or pricing structures.

Review the tradeoffs

See monthly payment, cash to close, APR, MI, fees, and key differences side by side.

Share the answer

Use the clean output to help the borrower understand which option fits their goals best.

Loan Programs

Built for the comparisons borrowers actually ask about.

The goal is not just to show numbers. It is to help a borrower understand why a loan option may be better for payment, cash to close, qualification, or long-term fit.

Agency

Conventional

Fannie Mae and Freddie Mac comparisons with PMI, conforming and high-balance structure, and flexible down payment inputs.

Government

FHA

Upfront MIP, annual MIP, streamline logic, and lower down payment comparisons for borrower conversations.

Veterans

Zero-down structure, funding fee logic, first-use inputs, and IRRRL scenarios without PMI confusion.

Rural

USDA

100% financing structure with upfront guarantee and annual fee assumptions shown clearly.

Refinance

Rate/Term

Show lower payment, term changes, estimated value, payoff balances, and break-even style conversations.

Equity

Cash-Out

Compare cash-out proceeds, new loan amount, payment impact, and estimated closing cost differences.

Ready to compare?

Open the tool and build a clearer loan presentation.

Use ask.mortgage to create a clean, side-by-side comparison borrowers can actually understand.

Open ask.mortgage →