FireflyMortgage

Mortgage planning tools

Explore payments and rate goals before completing your secure application.

Explore a payment estimateOptional planning tool — no available rate or approval is promised.

Your plan, step by step

Start with simple numbers.

Choose a home price, down payment, and rate goal. We show a planning payment and carry your choices into the 1003. Nothing is submitted or locked until you ask.

Step1

Your comfort comes first

Start with the home and down payment.

Enter a home price, the money you plan to put down, and a loan length. We calculate the base planning loan as home price minus down payment. Step 2 lets you move the rate bar and watch the payment change.

Planning paymentSet a target rate in Step 2Home price $425,000 − down payment $85,000 = $340,000 base planning loan.Not the full monthly payment yet. Property taxes, homeowners or flood insurance, mortgage insurance, and HOA dues may make it higher.
How does that feel?
Make the monthly payment estimate more completeOptional: add costs you already know

Enter monthly estimates only. Leave a box blank if you do not know it yet; Firefly can review verified property and program costs later.

What does the loan amount mean?

Home price minus down payment equals the base planning loan. It is not the amount you are approved to borrow. Some programs may permit a financed upfront insurance or guarantee fee later.

Do I need income to move the rate bar?

No. Price, down payment, term, and the target rate are enough to calculate principal and interest. Income does not choose the rate.

When is income needed?

Required documents depend on the loan program. We’ll explain the income, asset and property records needed for your selected option. A planning estimate is not a loan approval.

Saved into your next stepHome price $425,000 · Planning loan $340,000 · Down $85,000