Michigan Mortgage Calculators
Estimate your monthly principal, interest, taxes, and insurance. Run scenario analyses to see how down payment choices or refinancing rates affect your bottom line — plus rent-vs-buy and investment property DSCR tools.
What mortgage calculators does Ramzi Faraj at Citizens State Bank offer?
Ramzi Faraj offers free interactive Michigan mortgage calculators including a Monthly Payment Calculator (PITI), Home Affordability Calculator, Refinance Savings Estimator, Rent vs. Buy comparison, and an Investment Property DSCR Calculator. Each tool helps homebuyers and investors estimate payments, affordability, and cash flow before applying.
Monthly Payment
Estimate your full PITI payment — principal, interest, taxes, insurance, and HOA.
Enter Your Loan Details
Estimates for educational planning only; not a commitment to lend.
Year 1 Amortization Preview
How These Calculators Work
Monthly Payment Calculator
Your monthly mortgage payment includes more than just principal and interest. This calculator adds property taxes, homeowner's insurance, and — when your down payment is below 20% — private mortgage insurance (PMI). HOA dues are included if applicable. The Year 1 amortization preview shows how much of your early payments go toward interest vs. building equity.
Disclaimer: All calculator results are estimates provided for educational planning purposes only. They do not constitute a loan approval, commitment to lend, or tax advice. Actual rates, terms, and eligibility depend on credit, income verification, underwriting, property appraisal, and program guidelines. Speak with Ramzi Faraj for a personalized review.
What Our Clients Say About Ramzi Faraj & Citizens State Bank
Real feedback from homeowners, investors, and clients across Michigan who trusted Ramzi with their mortgage journey.
Ready to Take the Next Step Toward Your Mortgage Goal?
Whether buying a second home, securing an investment property, or refinancing your current loan, Ramzi is here as your Mortgage Coach for Life.
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Ramzi Faraj — Citizens State Bank
Mortgage Coach for Life