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Compare Two Loans.

Paste two loan estimates from competing lenders. The comparison handles points, lender credits, PMI dynamics, and hold-period total cost — the math APR alone can't capture.

What it does.

APR is a useful number but a misleading one. It assumes you keep the loan for 30 years; almost no one does. Compare Two Loans runs both estimates over your actual hold period, accounts for points and credits, and surfaces the break-even — when the cheaper-monthly loan actually pulls ahead, or when the upfront-points loan stops being worth it.

Sample interaction · Compare Two Loans.
I have two loan estimates. Lender A: 6.625%, 1 point, $4,200 closing. Lender B: 6.875%, 0 points, $2,800 closing. Which is better?
Setup: $400K loan, 30-year fixed. Comparing total cost over your hold period. To answer it for real, I need to know how long you'll keep this loan — 5 years, 7, 10?
Probably 7 years.
Over 7 years: Lender A total cost $230,420 (P&I + closing + the point). Lender B total cost $232,180. Lender A wins by about $1,760.
Break-even on the point: The point at Lender A costs $4,000 upfront and saves $66/mo. You recoup the cost at month 60.6 — just over 5 years. Since you plan to stay 7, the point is worth it. If you'd planned to stay 4 years or refinance early, Lender B would have won. Want the full amortization or the APR-only view?
Underlying tool

The math runs in the FHA vs Conventional calculator (and similar comparison engine).

This AI tool sits on top of a real calculator. The numbers it shows you come from deterministic math, not from a language model's pattern matching. While the AI version is in development, the underlying calculator is fully live — you can run the same math today by clicking through.

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While we build

The calculator layer is live and complete.

Every AI tool layers on top of an existing calculator. The fastest path to an answer today is to use the calculator directly.

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