Calculator
Mortgage Health Calculator
One score for rate, equity, PMI, and payment load.
A mortgage health score looks at your rate vs. the market, equity, PMI, and payment burden together — so you know whether to refinance, pay down, or wait.
- Score from 1–10 across rate, equity, PMI, and payment ratio
- Plain-language label: excellent, healthy, fair, or needs attention
- See which lever matters most for your situation
Frequently asked
What is a mortgage health score?
A composite look at whether your loan is in good shape — rate vs. market, equity cushion, PMI status, and how heavy the payment is relative to income.
How often should I check it?
Twice a year, or whenever rates move meaningfully. Your loan doesn't change on its own, but the market around it does.