Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLendersa Hard Money loan calculator delivers instant rate & terms accurate results from the best private money investors in every state.
You don't need to disclose your email or phone number to see results based on the property, your financial needs, and your qualifications
Lendersa® matches your loan request with the best lenders among thousands of lenders.
LoanScore™ 20-59
A LoanScore between 20-59 indicates a poor to fair chance of getting multiple loan proposals. Use Lendersa® LoanImprove™ engine. You’ll then see if you can optimize your loan request for better loan programs.
LoanScore™ 60-99
A high LoanScore™ Indicates many lenders and a variety of loan programs are available for you. Expect several loan proposals from our lenders and competing bids for your loan business!
What If?
Small changes in sliders could produce big changes in the results.
Use the sliders to explore different scenarios.
Hard Money Calculator
Need a loan closed in 5 days?
Get Quick Results from thousands of Hard Money Lenders.
Demo Calculator
Find any available loan programs in 60 seconds based on real-time rate sheets from thousand of lenders and private investors.
Lendersa® Advanced Calculator
The ultimate real estate calculator takes into consideration all the factors that can make or break any loan with over 20 filters and advanced setting.
Lendersa® Advanced Calculator
More than a calculator!
Find the lenders
Instantly convert the Advanced Calculator Results to a loan request and have 3-6 best matching lenders competing for your loan.
Compare results
Compare thousands of loan programs in seconds.
Improve your Chances
If your LoanScores™ is high, you grantee to get multiple proposals from lenders. If it is too low, use the LoanImprove™ tools to raise the LoanScore™ and only when high enough, then, submit to lenders.
Lendersa's hard money Calculator for Residential mortgages, Commercial loans, and vacant land loans has in its core algorithm the results from private lenders, and it is based mainly on the equity you have in the property. To review the best possible rate and terms for loans based on income and credit, we recommend the following links:
You may qualify for a better rate and terms with a bank or credit union loan; to find out your options use the Lendersa Advance calculator. Other useful resources for credit and income-based loans are:
For residential loans https://fm.fanniemae.com/homeownership/resources/financial-calculators/mortgage-calculator
Or https://edie.fdic.gov/calculator.html
Or https://www.freddiemac.com/pmms
For commercial business loans https://www.sba.gov/breakevenpointcalculator
Enter your scenario to compare loan programs from thousands of lenders. One platform compares Conventional, FHA, VA, USDA, Jumbo loans, None QM, and hard money loans to bring you the best possible options. Lendersa® calculates results for residential, commercial, and vacant land loans.
Lendersa® Advanced Calculator is superior to all other mortgage calculators because it takes into consideration 15 separate factors which determine the loan amount, rate, and term a borrower can get.
Other calculators, including Zillow mortgage calculator, Bankrate mortgage, or Nerdwallet mortgage calculator, only use 4-7 factors instead of 15 we use; their results are often inaccurate.
Income, credit, and LTV ( Loan to Value) are the most critical loan approval factors. Still, the type of income, verification, credit events, liquid reserves, vesting, and eight other factors that only Lendersa® include in its calculation always influence the rate terms and loan amount.
Lendersa® hard money loan calculator allows you to change load scenarios in seconds to find out "What If" various situations and options.
Any small change to Credit score, LTV, Income, and 10+ other factors will immediately impact the results. Lendersa® lets you make changes and immediately observe the "What If" results.
| Qualifications | Basic Calculator | Lendersa® |
|---|---|---|
| Loan amount | ||
| Residential | ||
| 2-4 Residential | ||
| Commercial | ||
| Vacant Land | ||
| Loan To Value (LTV) | ||
| Non-Owner | ||
| Credit | ||
| Credit events | ||
| Income/ Expenses | ||
| Verification | ||
| Liquid reserves | ||
| Net Worth | ||
| Cash-out | ||
| Co-Borrowers | ||
| Individual family | ||
| Corporation, LLC | ||
| Results: | ||
| Conventional Rate/Terms | ||
| Non-Qm Rate/Terms | ||
| Hard Money Rate/Terms | ||
Advance Calculator- Change menus to create unlimited lending scenarios to see what loans are available.
Qualification Calculator- (Affordability) What is the minimum income you need to qualify for a loan based on credit, loan to value, and 13 other factors.
Lendersa® hard money calculator compares your loan request against conventional and FHA loan matrix Non- QM matrixes soft hard money and hard-hard money loan programs to bring you the best results. The calculator factors in 15 traits, and it is the most accurate calculator available for instant results.
Finding the best possible loan has never been simpler. With our quick, secure and simple form you can get started instantly in secring the loan you need.
Get Started!
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