Tools
Mortgage calculators
The Lindley Team offers free mortgage calculators for buyers and homeowners across the Portland metro — affordability, rent versus buy, cash to close, house hacking, debt consolidation, payoff strategy, and more. No sign-up, no credit pull.
Affordability
How Much House Can I Afford?
Based on your income, debts, and available cash — three scenarios and one honest recommendation, with the debt-to-income math shown rather than hidden.
Open calculator →Rent vs buy
Rent vs Buy Calculator
Compares renting against buying over the years you plan to stay — equity, appreciation, closing costs, maintenance, and the real tax picture, including whether itemizing would beat the standard deduction at all.
Open calculator →House hacking
House Hacking & Multi-Unit Affordability
Buy a 2-4 unit property, live in one unit, and let the tenants cover most of the mortgage. Models owner-occupied multi-unit financing and what you would actually pay each month after rent.
Open calculator →Cash to close
Cash to Close Calculator
The number people underestimate most. Down payment, closing costs, prepaids, and escrow reserves — minus your earnest money and any seller or lender credits.
Open calculator →CLTV & blended rate
CLTV & Blended Rate Calculator
Combined loan-to-value across a first mortgage and any second lien or HELOC, plus the blended rate across both — the numbers a lender actually underwrites to.
Open calculator →Debt consolidation
Debt Consolidation & Blended Rate Refi
Roll high-rate debts into a cash-out refinance and see the honest comparison — including the part most calculators skip: what stretching short-term debt over 30 years costs in total interest.
Open calculator →Tax deduction
Mortgage Tax Deduction Estimator
Estimates the federal tax saving from mortgage interest and property tax — measured against the standard deduction, the mortgage interest cap, and the SALT cap, so the number is one you can rely on.
Open calculator →Move-up buyer
Move-Up Buyer Calculator
Selling one home and buying the next. Net proceeds after selling costs and loan payoff, the new payment, and an honest read on what giving up a low locked-in rate costs you.
Open calculator →Buy now vs wait
Buy Now vs Wait Calculator
Waiting is a bet on two moving numbers at once — price and rate. This models both against the rent you keep paying and the extra down payment you would save.
Open calculator →Payoff strategy
Payment Strategy Optimizer
Compares payoff strategies side by side — extra monthly, bi-weekly, one extra payment a year, a lump sum — and shows the interest saved and the years cut off the loan.
Open calculator →By loan type
Calculators for a specific loan program sit on that program's page, alongside the requirements and the fine print they depend on.
Then talk to a person
These give you an estimate. A Mortgage Cost Analysis gives you the real number — your options side by side, explained down to the decimal.