Mortgage.IQ

Don't guess which mortgage is better. Model every scenario, see the real lifetime cost, and walk into your lender meeting knowing exactly what to ask for.

Buying a home is the biggest financial decision of your life. MortgageIQ helps you make it with clarity — not guesswork.

Build unlimited loan scenarios in seconds. Adjust home price, down payment, interest rate, loan term, and lender — then watch your monthly payment, total interest, and lifetime cost update in real time. When you're ready, save and compare every option side-by-side.

WHAT YOU CAN DO

Build scenarios for any loan type — 15-year fixed, 30-year fixed, 7/1 ARM, or 5/1 ARM. Each scenario stores the full picture: rate, term, down payment, property tax, and HOA.

Visualize your money with four built-in charts: a payment breakdown donut showing exactly where each dollar goes; a full amortization curve with cumulative interest overlay; a stacked bar comparing total cost across all your scenarios; and a 10-year cumulative cost projection so you can see the real break-even between an ARM and a fixed rate.

Track the milestones that matter — when PMI drops, when you hit 50% equity, when the loan is paid in full.

Compare instantly. Switch to the Compare tab, select any two or more scenarios, and get a ranked table with the cheapest option highlighted. No spreadsheets required.

MortgageIQ works entirely on-device. Your financial data never leaves your phone.