Explore diffrent scenarios to get new results by moving the sliders and changing the menu's values

ADVANCED CALCULATOR
REQUEST LOAN QUOTE
EXISTING LOAN(S)

Results

Qualifications

Funding Time

Min. Loan Term

LoanScore™

Max. Fees

Max. Penalty

Max. Rate

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Popular Loan Programs:

Lending Type:

Amortization Period
(Minimum)

Adjustable Rate Loans
Minimum Time Before First Adjustment

Any
40/10 IO
Fixed
10/1
7/1
5/1
3/1
Adjustable

Any
Hard Money
Conventional FNMA
FHA
Portfolio
USDA
VA
All Types - Compared

Any
Interest Only
30 Years
20 Years
15 Years
10 Years
7 Years
5 Years

Any
15 Years
10 Years
7 Years
5 Years
3 Years
2 Years
1 Year
6 Months
3 Months
1 Month

APR (Maximum):

Prepay Penalty Type:

Prepay Max duration:

Extension Options:

Any
Under 4.00%
Under 5.00%
Under 6.00%
Under 7.00%
Under 8.00%
Under 9.00%
Under 10.00%
Under 11.00%

Any
Soft Prepay Only
None - No Prepay Penalty
Guarantee of Interest Payment
Step Down Prepay

Any
Max 3 months
Max 6 months
Max 9 months
Max 12 months
Max 18 months
Max 24 months
Max 36 months

Any
1 month or more
2 months or more
3 months or more
6 months or more
12 months or more
18 months or more
24 years or more

Oops!

There are no possible loans in our database that match the data you entered.

Before you can move forward please verify and/or correct one or more of the following:

Reduce LTV by increasing Property Value or reducing Loan Amount.
Increase Income. Possibly, add co-borrower's income and/or
reduce your expenses
increase credit score

LoanScore™
Rates
Mo Payments
APR
Fees

Thank you for using the Lendersa Advanced Calculator!

Please complete the missing data fields to see available loan programs.

We show the missing data fields with a warning sign in the result panel

Also, each field where data is missing has a red square around the missing data field.

For example: The Monthly Income field is required.

LoanImprove™ Magic!

On the Results section you may set up 100 unique result options for each single loan scenario. You can narrow it down with the results filters and/or use sorting tools to put the results options in order.
With the filter you set up the maximum interest rate, points and prepay penalty that you are willing to pay or the minimum loan duration and the type of a loan you wish to have.

Property
Add Additional Property

Street

Property in

Residential
Commercial
Land

Single Family Residence (SFR)
2-4 Units Residential
2 Units Duplex
3 Units Triplex
4 Units Quadruples
Condominium
Non-Warrantable Condo
Manufactured Home (Permanent foundation)
Townhome
Manufacturer / Mobile + Land
Co-Op
CondoTel

Multifamily
- Garden Low-Rise
- Government/Subsidized
- Mid/High-Rise
- Mobile Home/RV Community
- Duplex/Triplex/Fourplex
Retail
- Community Center
- Strip Center
- Neighborhood Center
- Outlet Center
- Power Center
- Regional Center/Mall
- Super Regional Center
- Specialty Center
- Theme/Festival Center
- Anchor
- Restaurant
- Service/Gas Station
- Retail Pad
- Free Standing Bldg
- Street Retail
- Day Care Facility/Nursery
- Post Office
- Vehicle-Related
- Retail Condo
- Retail (Other)
Industrial
- Flex Space
- Industrial-Business Park
- Industrial Condo
- Manufacturing
- Office Showroom
- R&D
- Self-Mini Storage Facility
- Truck Terminal/Hub/Transit
- Warehouse
- Distribution Warehouse
- Refrigerator/Cold Storage
Office
- Office Condo
- Office Building
- Institutional/Governmental
- Medical Office
- Office-Business Park
- Office-R&D
- Office-Warehouse
Agricultural
- Agricultural
- Agribusiness
- Pasture/Ranch
- Timberland
Special Purpose
- Marina
- Religious Facility
- Motel Economy/Limited Service
- Hotel Full Service
- Golf Related
- Theatre/Performing Arts
- Special Purpose (Other)
Health Care
- Acute Care Hospital
- Assisted Living Residences
- Congregate Senior Housing
Mixed Use
- Mixed Use (Residential + Commercial)

Multifamily
- Government/Subsidized
- Mid/High-Rise
- Mobile Home/RV Community
- Duplex/Triplex/Fourplex
- Garden Low-Rise
Retail
- Community Center
- Strip Center
- Neighborhood Center
- Outlet Center
- Power Center
- Regional Center/Mall
- Super Regional Center
- Specialty Center
- Theme/Festival Center
- Anchor
- Restaurant
- Service/Gas Station
- Retail Pad
- Free Standing Bldg
- Street Retail
- Day Care Facility/Nursery
- Post Office
- Vehicle-Related
- Retail Condo
- Retail (Other)
Industrial
- Flex Space
- Industrial-Business Park
- Industrial Condo
- Manufacturing
- Office Showroom
- R&D
- Self-Mini Storage Facility
- Truck Terminal/Hub/Transit
- Warehouse
- Distribution Warehouse
- Refrigerator/Cold Storage
Office
- Office Condo
- Office Building
- Institutional/Governmental
- Medical Office
- Office-Business Park
- Office-R&D
- Office-Warehouse
Agricultural
- Agricultural
- Agribusiness
- Pasture/Ranch
- Timberland
Special Purpose
- Marina
- Religious Facility
- Motel Economy/Limited Service
- Hotel Full Service
- Golf Related
- Theatre/Performing Arts
- Special Purpose (Other)
Residential Zoned
- Single subdivided lot for SFR, Duplex, Triplex or Fourplex
- 2 or more residential subdivided lots
- Undivided one/more residential zoned parcels for subdivision
- Land zoned for condominium development
- Other unimproved residential zoned land
Mixed Use
- Mixed Use (Residential + Commercial)

CONSUMER TYPE LOAN
Owner Occupied - Primary Resident
Owner Occupied - Second Home
BUSINESS PURPOSE TYPE LOAN
Owner Occupied - Business Purpose
Non-Owner Occupied - Business Purpose

Property Purchase
Refinance all
2nd, 3rd or HELOC
Reverse Mortgage
Purchase Fix N' Flip
Refinance Fix N' Flip
Purchase and Construction
Refinance and Construction
Construction Second Loan

LTV
Purchase

Purchase
Price

Down
Payment

Existing
Loan(s)

Loan
Amount

Cash
Out / In

UNLOCKED
Click to Lock LOCKED
UNLOCKED
Click to Lock
UNLOCKED
Click to Lock UNLOCKED
Click to Lock

Borrower
Co-Borrower #1
Co-Borrower #2
Co-Borrower #3
All Borrowers
Add

No verification (Stated income)

1 - Month bank statement

2 - Months bank statements

3 - Months bank statements

12 - Months bank statements

24 - Months bank statements

1 year tax return

2 year tax return

3 year tax returns

Recent pay stubs (If wage earner)

W2 (If wage earner)

Profit & Loss (If self-employed)

780 or more
760-779
750-759 Excellent
740-749
720-739
700-719 Good
680-699
660-679
650-659
640-649 Fair
630-639
620-629
600-619 Marginal
580-599
550-579
500-549
Under 500 Poor

Under $1,700
$1,700 - $2,500
$2,500 - $3,500
$3,500 - $5,000
$5,000 - $6,500
$6,500 - $8,000
$8,000 - $10,000
$10,000 - $17,000
$17,000 - $25,000
$25,000 - $35,000
$35,000 - $50,000
$50,000 - $65,000
$65,000 - $80,000
$80,000 - $100,000
$100,000 - $170,000
$170,000 - $250,000
$250,000 - $350,000
$350,000 - $500,000
$500,000 - $650,000
$650,000 - $800,000
$800,000 - $1,000,000
$1,000,000 - $1,700,000
$1,700,000 - $2,500,000
$2,500,000 - $3,500,000
$3,500,000 - $5,000,000
$5,000,000 - $6,500,000
$6,500,000 - $8,000,000
$8,000,000+

Foreclosure: None

None
1 year
2 years
3 years
4 years
5 years
6 years
7 years

Bankruptcy: None

None
In the past 12 months
In the past 24 months
In the past 36 months
In the past 48 months
In the past 60 months
In the past 72 months
In the past 84 months

Short Sale: None

None
1 year
2 years
3 years
4 years
5 years
6 years
7 years

Assets:

Debts:

Citizenship: US Citizen

US Citizen
Permanent Resident Alien
Non-permanent Resident Alien - Work Visa
Foreign National

Eligibilities: None

First-Time Buyer

Own 1-3 properties

Own 4 or more properties

Veteran of the Arm forces

Farmer or Rancher

Policeman or Firefighter

Doctor or Nurse

62 - Year - old or older

Overseas Income

Remove Co-Borrower

Monthly
Income

Household
Expenses

Add a Co-Borrower

No verification (Stated income)

1 - Month bank statement

2 - Months bank statements

3 - Months bank statements

12 - Months bank statements

24 - Months bank statements

1 year tax return

2 year tax return

3 year tax returns

Recent pay stubs (If wage earner)

W2 (If wage earner)

Profit & Loss (If self-employed)

780 or more
760-779
750-759 Excellent
740-749
720-739
700-719 Good
680-699
660-679
650-659
640-649 Fair
630-639
620-629
600-619 Marginal
580-599
550-579
500-549
Under 500 Poor

Under $1,700
$1,700 - $2,500
$2,500 - $3,500
$3,500 - $5,000
$5,000 - $6,500
$6,500 - $8,000
$8,000 - $10,000
$10,000 - $17,000
$17,000 - $25,000
$25,000 - $35,000
$35,000 - $50,000
$50,000 - $65,000
$65,000 - $80,000
$80,000 - $100,000
$100,000 - $170,000
$170,000 - $250,000
$250,000 - $350,000
$350,000 - $500,000
$500,000 - $650,000
$650,000 - $800,000
$800,000 - $1,000,000
$1,000,000 - $1,700,000
$1,700,000 - $2,500,000
$2,500,000 - $3,500,000
$3,500,000 - $5,000,000
$5,000,000 - $6,500,000
$6,500,000 - $8,000,000
$8,000,000+

Foreclosure: None

None
1 year
2 years
3 years
4 years
5 years
6 years
7 years

Bankruptcy: None

None
In the past 12 months
In the past 24 months
In the past 36 months
In the past 48 months
In the past 60 months
In the past 72 months
In the past 84 months

Short Sale: None

None
1 year
2 years
3 years
4 years
5 years
6 years
7 years

Assets:

Debts:

Citizenship: US Citizen

US Citizen
Permanent Resident Alien
Non-permanent Resident Alien - Work Visa
Foreign National

Eligibilities: None

First-Time Buyer

Own 1-3 properties

Own 4 or more properties

Veteran of the Arm forces

Farmer or Rancher

Policeman or Firefighter

Doctor or Nurse

62 - Year - old or older

Overseas Income

Remove Co-Borrower

Monthly
Income

Household
Expenses

Add a Co-Borrower

No verification (Stated income)

1 - Month bank statement

2 - Months bank statements

3 - Months bank statements

12 - Months bank statements

24 - Months bank statements

1 year tax return

2 year tax return

3 year tax returns

Recent pay stubs (If wage earner)

W2 (If wage earner)

Profit & Loss (If self-employed)

780 or more
760-779
750-759 Excellent
740-749
720-739
700-719 Good
680-699
660-679
650-659
640-649 Fair
630-639
620-629
600-619 Marginal
580-599
550-579
500-549
Under 500 Poor

Under $1,700
$1,700 - $2,500
$2,500 - $3,500
$3,500 - $5,000
$5,000 - $6,500
$6,500 - $8,000
$8,000 - $10,000
$10,000 - $17,000
$17,000 - $25,000
$25,000 - $35,000
$35,000 - $50,000
$50,000 - $65,000
$65,000 - $80,000
$80,000 - $100,000
$100,000 - $170,000
$170,000 - $250,000
$250,000 - $350,000
$350,000 - $500,000
$500,000 - $650,000
$650,000 - $800,000
$800,000 - $1,000,000
$1,000,000 - $1,700,000
$1,700,000 - $2,500,000
$2,500,000 - $3,500,000
$3,500,000 - $5,000,000
$5,000,000 - $6,500,000
$6,500,000 - $8,000,000
$8,000,000+

Foreclosure: None

None
1 year
2 years
3 years
4 years
5 years
6 years
7 years

Bankruptcy: None

None
In the past 12 months
In the past 24 months
In the past 36 months
In the past 48 months
In the past 60 months
In the past 72 months
In the past 84 months

Short Sale: None

None
1 year
2 years
3 years
4 years
5 years
6 years
7 years

Assets:

Debts:

Citizenship: US Citizen

US Citizen
Permanent Resident Alien
Non-permanent Resident Alien - Work Visa
Foreign National

Eligibilities: None

First-Time Buyer

Own 1-3 properties

Own 4 or more properties

Veteran of the Arm forces

Farmer or Rancher

Policeman or Firefighter

Doctor or Nurse

62 - Year - old or older

Overseas Income

Remove Co-Borrower

Monthly
Income

Household
Expenses

Add a Co-Borrower

Ownership: Individual or Family

Individual or Family
Unmarried Couple Living Together
Corporation or LLC
Partnership (2 or more unrelated individuals)
Trust or Legal Entity
Nonprofit Organization/Church

No verification (Stated income)

1 - Month bank statement

2 - Months bank statements

3 - Months bank statements

12 - Months bank statements

24 - Months bank statements

1 year tax return

2 year tax return

3 year tax returns

Recent pay stubs (If wage earner)

W2 (If wage earner)

Profit & Loss (If self-employed)

Check as many boxes as apply. How you can verify your income has a significant effect on the results.

The best rate&terms and highest LW programs are available if you can demonstrate your income with two years of tax returns. In addition to taxes, wage earner should have W2 and recent pay stubs, and Self-employed a P&L for the current year.

Excellent loans are now available for borrowers who can verify their income with 24 months of bank statements or even 12 months of bank statements.

Many loan programs are available to borrowers who are unable to verify their income at all or with only 1, 2 or 3 recent bank statements depending on the credit score and other factors up to 75% LW.

780 or more
760-779
750-759 Excellent
740-749
720-739
700-719 Good
680-699
660-679
650-659
640-649 Fair
630-639
620-629
600-619 Marginal
580-599
550-579
500-549
Under 500 Poor

Under $1,700
$1,700 - $2,500
$2,500 - $3,500
$3,500 - $5,000
$5,000 - $6,500
$6,500 - $8,000
$8,000 - $10,000
$10,000 - $17,000
$17,000 - $25,000
$25,000 - $35,000
$35,000 - $50,000
$50,000 - $65,000
$65,000 - $80,000
$80,000 - $100,000
$100,000 - $170,000
$170,000 - $250,000
$250,000 - $350,000
$350,000 - $500,000
$500,000 - $650,000
$650,000 - $800,000
$800,000 - $1,000,000
$1,000,000 - $1,700,000
$1,700,000 - $2,500,000
$2,500,000 - $3,500,000
$3,500,000 - $5,000,000
$5,000,000 - $6,500,000
$6,500,000 - $8,000,000
$8,000,000+

Foreclosure: None

None
1 year
2 years
3 years
4 years
5 years
6 years
7 years

Bankruptcy: None

None
In the past 12 months
In the past 24 months
In the past 36 months
In the past 48 months
In the past 60 months
In the past 72 months
In the past 84 months

Short Sale: None

None
1 year
2 years
3 years
4 years
5 years
6 years
7 years

Assets:

Debts:

Citizenship: US Citizen

US Citizen
Permanent Resident Alien
Non-permanent Resident Alien - Work Visa
Foreign National

Income Type: Wage earner

Wage earner
Self - Employed
Wage earner and self-employed
Retired(or not working)

Eligibilities:None

First-Time Buyer

Own 1-3 properties

Own 4 or more properties

Veteran of the Arm forces

Farmer or Rancher

Policeman or Firefighter

Doctor or Nurse

62 - Year - old or older

Overseas Income

Monthly
Income

Household
Expenses

Add a Co-Borrower

FNMA
FHA
Portfolio
Commercial Bank Loan
SBA Bank Loan
Hard Money

	Monthly Income	Household Expenses	Liquid Assets

Debts Calculation Worksheet

Real Estate Loan Balance
Enter the total loan(s) (Do not include the subject property to which this loan is being requested)

Car Loans Balance

Credit Card Balance

Other Loans/Obligation Balance

TOTAL DEBTS

Assets Calculation Worksheet

Real Estate Owned
Enter the total Market value of any other real estate you own. (Do not include the subject property to which this loan is being requested)

Vested interest in retirement fund

Net Worth of Business(es) Owned
(attach financial statement)

Automobiles owned (make and year)

Other Assets

TOTAL ASSETS

Missing Zip Code

Please enter a zip code for the location of the property.

Purchase Price

Down Payment

Existing Loan(s)

Cash Out / In

Go to Advanced Calculator to change or tweak unlimited loan scenarios.
Recommended for all loan officers, real estate professionals or knowledgable borrowers.

You enter your qualifications on the Qualifications section. It's comprised of sub-sections: on top is the Property Qualification and below is the Borrower Qualification.
Lendersa calculator allows you to make changes to the qualification. Every change brings about a new loan scenario which is instantly displayed on the Results section. You can tweak the qualifications for better results by changing the loan amount, credit score and income. Altogether there are over 20 factors that can affect results.

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Enter existing loan which will remain in the first position.

Existing Loan(s)

Interest Rate

Monthly Payment

Amortization Type

Loan Maturity

Enter the year and month when the existing remaining loan become due.

Continue

About LoanScore™

LoanScore™ (Loan Chance of Success Score) measures the likelihood to find participating lenders who have matching loan programs to the borrower loan request. A borrower can explore many inquiries and receive several results for each inquiry with unique LoanScore™ for every result. The LoanScore™ indicate to the borrower the number and the quality of the lenders who are interested in looking at his loan request. The LoanScore™ scores range from 0 to 99. A high LoanScore™ (E.g., above 80) indicates many eager lenders who are interested in arranging the loan based on the borrower request. A low LoanScore™ indicates no or very few lenders with a small number of matching programs. Lendersa loan optimization is a proprietary process the borrower can undertake to improve the results of his loan request and raise LoanScore™.

What is the different between LoanScore™ and Fico score? LoanScore™ and Fico Score are completely different scores. FICO, or Fair Isaac, credit scores are a method of quantifying and evaluating an individual's creditworthiness. Fico scores range from 300 to 850. Fico Score measure your credit rating; it is based on your credit history. LoanScore™ (Loan Chance of Success Score) measures the likelihood you will receive loan offers from lenders based on your loan request and your financial qualifications. The LoanScore™ range is from 0 to 99. Good Fico score normally helps raise the LoanScore™, but it is only part of the LoanScore™. It is possible to have perfect Fico score of 850 and LoanScore™ of 0; it means that despite the excellent credit, there are no loan programs which are matching your borrower’s needs. And vice-versa, you can have a terrible credit score of 350 Fico and LoanScore™ of 99, which could be possible when you request a loan based on equity only and the lenders disregard the credit rating. Each loan program has its unique LoanScore™. Each time you change your loan request, the programs change, and the LoanScore™ of each program change instantly and automatically the Fico score remains the same unless you manually change it.

Monthly Income Worksheet

Salary

Overtime

Bonuses

Self Employment Income

Commissions

Social Security

Dividends

Net Rental Income

Other

Total Income

Monthly Expenses Worksheet

Please mark the expense that will be paid off by the new loan.

Rent

PAY OFF

First Mortgage (P&I)

PAY OFF

Other Financing (P&I)

PAY OFF

Hazard Insurance

PAY OFF

Real Estate Taxes

PAY OFF

Mortgage Insurance

PAY OFF

Home owner assocn

PAY OFF

Car Payment

PAY OFF

Credit Cards

PAY OFF

Installment Payments

PAY OFF

Other

PAY OFF

Total Monthly Expenses

Monthly Income Worksheet

Salary

Overtime

Bonuses

Self Employment Income

Commissions

Social Security

Dividends

Net Rental Income

Other

Total Income

Monthly Expenses Worksheet

Please mark the expense that will be paid off by the new loan.

Rent

PAY OFF

First Mortgage (P&I)

PAY OFF

Other Financing (P&I)

PAY OFF

Hazard Insurance

PAY OFF

Real Estate Taxes

PAY OFF

Mortgage Insurance

PAY OFF

Home owner assocn

PAY OFF

Car Payment

PAY OFF

Credit Cards

PAY OFF

Installment Payments

PAY OFF

Other

PAY OFF

Total Monthly Expenses

Monthly Income Worksheet

Salary

Overtime

Bonuses

Self Employment Income

Commissions

Social Security

Dividends

Net Rental Income

Other

Total Income

Monthly Expenses Worksheet

Please mark the expense that will be paid off by the new loan.

Rent

PAY OFF

First Mortgage (P&I)

PAY OFF

Other Financing (P&I)

PAY OFF

Hazard Insurance

PAY OFF

Real Estate Taxes

PAY OFF

Mortgage Insurance

PAY OFF

Home owner assocn

PAY OFF

Car Payment

PAY OFF

Credit Cards

PAY OFF

Installment Payments

PAY OFF

Other

PAY OFF

Total Monthly Expenses

Monthly Income Worksheet

Salary

Overtime

Bonuses

Self Employment Income

Commissions

Social Security

Dividends

Net Rental Income

Other

Total Income

Monthly Expenses Worksheet

Please mark the expense that will be paid off by the new loan.

Rent

PAY OFF

First Mortgage (P&I)

PAY OFF

Other Financing (P&I)

PAY OFF

Hazard Insurance

PAY OFF

Real Estate Taxes

PAY OFF

Mortgage Insurance

PAY OFF

Home owner assocn

PAY OFF

Car Payment

PAY OFF

Credit Cards

PAY OFF

Installment Payments

PAY OFF

Other

PAY OFF

Total Monthly Expenses

Congratulations

Your inquiry matches several lenders eager to compete for your business.

Convert your inquiry to a loan request to receive proposals.

Submit my loan request to the best matching lenders

Update and save unsubmitted request

Note: When you click "Update and Save", the data on your loan request will be replaced with the data you enter here.

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Update and save unsubmitted request

Continue to Review/Edit without saving

Note: When you click "Update and Save", the data on your loan request will be replaced with the data you enter here.

You are on the "Test Scenarios & Improve Results" page.

Results

Use Lendersa® advanced filters to narrow down your loan request. Sort out the results' options by Rate, Fees, APR or LoanScore™.

Get a detail description of every loan program result Click arm by clicking the loan program name.

Let's the bidding begin!!

When you're satisfied with the results, submit the request to the most qualified lenders who will fight to get your loan done.

Property Qualification

Make changes to Property characteristics, Loan Amount, Property Value, or LTV to observe Instant results. Hover over the information icons click info sign for optimizations hints and tricks.

Borrower Qualification

Changes to borrower's credit, income, verification methods, etc., instantly change the results. Hover over the information icons click info sign for optimizations hints and tricks.

TYPES OF LOANS WE HANDLE:

PRE-APPLICATION OPTIONS:

CALCULATE FIX N' FLIP MAX LOAN AMOUNT IN STATE

BLOG SUBJECTS

Explore diffrent scenarios to get new results by moving the sliders and changing the menu's values

Results

Qualifications

LoanImprove™ Magic!

Enter existing loan which will remain in the first position.