2Your options, side by side
3All the numbers, side by side
Tap any row to highlight it while you talk through it.
4What it really costs over time
Total cost = every payment you make in that window + financing costs + the balance you would still owe at the end. Pick a time frame:
Graph 1 · Total cost at 5, 7, 10, 15 and 30 years
The same numbers as the table below, as bars. Shorter is cheaper.
Graph 2 · How the total cost grows, year by year
Watch the lines. Where a color sits lowest, that option is winning at that year.
Graph 3 · What you still owe, and the part of the home you own
Balance lines fall as the loan is paid down. The dashed line is equity in the highlighted option if the home's value stayed flat, the cautious way to look at it.
Graph 4 · Where your monthly payment goes
Principal and interest is the dark part. Mortgage insurance, when a loan has it, is the gold part. Purchase options also add the same taxes, insurance, and HOA to every option, shown in the table.
5What this means, in plain English
Tap a sentence to highlight it.
Watch: Oliver walks you through it
Your video opens as an overlay and plays automatically the moment you accept the terms, like Mortgage Coach. It floats in the corner while you scroll.
Estimate only. This is an educational comparison, not a Loan Estimate, not a commitment to lend, and not rate-lock advice. Rates shown are the illustrative rates entered above and change daily. Taxes, homeowners insurance, and HOA are included only where itemized. Mortgage insurance is included where shown. Temporary buydowns are funded from an escrow account paid at closing by the party shown, are subject to the loan program's seller-concession (interested-party contribution) limits, and the payment steps up on the schedule shown until it reaches the full note payment. Actual closing costs are verified on a Loan Estimate before any application. Oliver Ames, mortgage broker, NMLS #1605202 · Swift Mortgage, NMLS #1925754.