About the site
Mortgage decisions are easier to understand when you can see them.
The Mortgage Curve is a collection of practical mortgage calculators and visual tools for homeowners. The goal is simple: make it easier to compare the effect of a lump-sum payment, a recast, a refinance, extra principal, or a changing home value before you call a lender or make a large financial decision.
What you can do here
The calculators cover common questions that are often difficult to answer from a mortgage statement alone. You can build an amortization schedule, estimate a new payment after a recast, project when PMI may be removed, compare refinancing with a second-lien option, evaluate extra payments, and explore affordability or rental-property scenarios.
Each tool is designed to show the underlying tradeoffs, not just one headline number. Depending on the calculator, that may include principal and interest over time, payoff timing, payment changes, projected savings, equity thresholds, fees, or the assumptions behind the estimate.
Built for private, self-directed research
Mortgage numbers can be personal. The core calculations run in your browser, so you can explore a scenario without creating an account or submitting your loan balance to a salesperson. Shared links preserve the scenario needed to revisit or discuss a calculation.
The site does not make lending decisions, recommend a particular lender, or require you to apply for a financial product. It is meant to help you arrive at a better-informed conversation with the professional who handles your loan.
How we handle lender information
Some pages summarize recast fees, minimum principal reductions, eligibility rules, or contact instructions for individual servicers. Those details can differ by investor, loan type, state, and servicing agreement. We link to official lender resources when available and identify information that is estimated or should be confirmed.
The Mortgage Curve is independent and is not affiliated with the lenders named on the site. Before sending money or relying on a deadline, contact the company currently servicing your mortgage and ask for the requirements that apply to your loan.
What this site is not
The Mortgage Curve is not a lender, mortgage broker, financial advisor, tax professional, attorney, or credit counselor. Results are estimates for education and planning. They are not loan offers, underwriting decisions, legal advice, tax advice, or a promise of future savings.
Keep in touch
If you find a calculation issue, an outdated lender detail, or a broken source link, please send the correction and supporting source. Clear, current information matters more than pretending every mortgage follows the same rules.
For the calculation assumptions and source-review process, see Methodology & Sources.