At MortgagesKit, we believe that homeownership should be accessible and financially transparent. As your ultimate mortgage toolkit, our goal is to empower homebuyers and property owners with clear, fee-inclusive calculations, helping them plan purchases or evaluate refinancing benefits with confidence.
Why We Built MortgagesKit
Most online mortgage calculators show you a simple principal and interest payment. However, in reality, your actual payment includes property taxes, home insurance, and HOA dues. Neglecting these expenses can lead to unexpected financial struggles after closing. We built our classic mortgage calculator to account for all of these recurring costs from the start.
Additionally, we wanted to address the "refinance trap" where borrowers extend their loan terms without realizing it will increase their lifetime interest costs. Our refinance calculator includes built-in warnings and break-even timelines to ensure you make the right long-term decisions.
"Financial transparency is not just about showing the numbers—it is about showing the complete picture."
Meet the Team
MortgagesKit was founded by a small team of financial analysts and software developers dedicated to building clean, ad-free financial resources.
Marcus Thompson, CFP®
Founder & Chief Mortgage Analyst
Marcus is a Certified Financial Planner (CFP) with over 12 years of experience in real estate finance and consumer credit counseling. He guides our formulas and content guidelines.