- Homeowner & Renter Conversation Scripts
- The "Two Ponds" Prospecting Strategy
- Real-Time Ideal-Home Math
- Handling the Results — Objection Frames
- 6-Step Execution Playbook
- Free Co-Branded Marketing Resources
A consumer-facing residential mortgage analysis tool that compares the financial implications of remaining in your current property against one or more alternative purchase scenarios. Calculate disposable equity, target down payment, principal-and-interest obligations, and full PITI housing payments against your stated affordability ceiling.
Enter your current property and household debt profile once, then build one or more ideal-home purchase scenarios to compare side by side. All calculations update in real time and are illustrative only — not a Loan Estimate, pre-approval, or commitment to lend under TILA-RESPA (Regulation Z) or any other federal disclosure requirement.
State the maximum monthly housing payment (PITI) you are comfortable carrying and disclose total monthly non-housing debt obligations. This establishes the qualifying benchmark against which each scenario is evaluated.
Project net equity available from the sale of your current primary residence after seller-paid closing costs (estimated at 7% of gross sale price, inclusive of commissions, title, escrow, transfer fees and customary credits) and retirement of the existing first-lien mortgage.
Build and compare multiple replacement-property scenarios. Adjust the contract price, note rate, amortization term, and escrowed taxes & insurance for each. The model uses standard fully-amortizing PMT methodology and assumes a fixed-rate, fully-disclosed conventional purchase loan.
Side-by-side analysis of each ideal-home scenario against your stated monthly affordability ceiling. Scenarios flagged "Within Limit" project a total PITI at or below your ceiling; "Over Limit" scenarios exceed it and may require purchase-price, down-payment, or rate-strategy adjustment.
This worksheet is for illustrative and educational purposes only. It is not a Loan Estimate, Closing Disclosure, pre-qualification, conditional approval, or commitment to lend. No application has been taken, no credit has been pulled, and no underwriting decision has been rendered. Figures are based entirely on user-provided inputs and standard fully-amortizing payment math.
All loans are subject to underwriting approval. All borrowers must meet minimum credit score, loan-to-value (LTV), debt-to-income (DTI), reserve, employment, and program-specific requirements to qualify for any mortgage product. Rates, fees, and program availability are subject to change without notice and may vary based on credit profile, occupancy, property type, and market conditions. Certain restrictions apply — contact JJ Mazzo for current eligibility details.
JJ Mazzo · NMLS 186548 · Mazzo Group of CrossCountry Mortgage, LLC · NMLS 3029 · 31351 Rancho Viejo Road, Suite 204, San Juan Capistrano, CA 92675. Licensed to do business in AZ, CA, OR, WA. Equal Housing Opportunity Lender. Verify state licensing at www.nmlsconsumeraccess.org.
These projections are most accurate when reviewed alongside a current credit profile, verified income, and a property valuation. Contact the Mazzo Group to convert this worksheet into a fully underwritten loan strategy with rate-lock options.
Equal Housing Opportunity. All loans subject to underwriting approval. Certain restrictions apply — call for details. All borrowers must meet minimum credit score, loan-to-value, debt-to-income, and other requirements to qualify for any mortgage program. This communication is for illustrative purposes only and is not a Loan Estimate, commitment to lend, or interest-rate lock. CrossCountry Mortgage, LLC · NMLS 3029 (www.nmlsconsumeraccess.org). JJ Mazzo · Executive Vice President · NMLS 186548. 31351 Rancho Viejo Road, Suite 204, San Juan Capistrano, CA 92675. Licensed in AZ, CA, OR, WA.
Fill in your details below to unlock the resource.