LendKit

LendKit is a fast, no-nonsense toolkit for mortgage loan officers and real estate agents. Ten calculators for the numbers you actually run between calls, with no account and no waiting. RPN FINANCIAL A full four-level-stack RPN calculator with complete time value of money. Enter any four of N, rate, present value, payment and future value, then press the fifth to solve for it. Payments at the beginning or end of the period, any number of periods per year, amortisation with an interest and principal schedule, net present value and internal rate of return over your own cash flows, ten storage registers, and the usual percent, delta percent, percent-of-total, powers and logs. PAYMENT AND QUALIFYING Full PITI: principal, interest, taxes, insurance, PMI and HOA, with PMI dropping off automatically at 80% loan to value. Then work the other direction and turn income, debts and a DTI limit into the purchase price a buyer can carry. FOR THE DEAL Commission for either side, in basis points or percentage, after splits and per-file or flat brokerage fees. A seller net sheet from sale price through commission, title, transfer tax and payoff. Buyer cash to close including prepaids, earnest money and seller or lender credits. DECISIONS Points break-even, so you know how long the loan must be kept for buying the rate down to pay off. Refinance break-even, including the case where closing costs are rolled into the loan. HELOC interest-only and post-draw payments. Debt payoff comparing snowball against avalanche. BUILT FOR THE FIELD - Works completely offline. Every calculation runs on your device. - No account, no sign-in, no subscription. - Nothing you type is uploaded or stored on a server. - Share any result as plain text in one tap. LendKit shows estimates based only on the figures you enter. It is not financial, tax, or lending advice, and actual terms vary by lender and brokerage.