What states does Rich Home Loans lend in?

RICH Home Loans LLC (NMLS #1787717) is licensed to lend in Colorado, Texas, Kansas, and Missouri.

Can I check my mortgage rate without a credit pull?

Yes. Banking After Hours (bankingafterhours.com) lets you run a full PITI calculation, DTI analysis, and pre-qualification scenario 24/7 with no credit pull required.

What types of loans does Rich Home Loans offer?

We offer Conventional, FHA, and VA purchase loans, plus rate-term and cash-out refinances, in Colorado, Texas, Kansas, and Missouri.

How do I schedule a call with Rich Blanchard?

Book a free 15-minute strategy call at cal.com/richhomeloans/15min. No obligation — we'll review your scenario and map out next steps.

Mortgage Tools

Mortgage Calculators

Run the numbers before you talk to a lender. Free calculators for purchase, refinance, affordability, and more \u2014 all powered by the same pricing engine we use for real loans. Licensed in Colorado, Texas, Kansas, and Missouri.

Available now

Our full-depth tools \u2014 the ones we use with real borrowers.

Purchase Mortgage Calculator

Full qualification

Full payment, qualification, and pricing breakdown for buying a home. Conventional, FHA, VA. Real-time par rates.

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Refinance Savings Calculator

Full savings analysis

Compare your current loan against a refinance. See monthly savings, break-even timeline, and lifetime interest savings.

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Conforming Loan Limits Lookup

2026 FHFA data

2026 county-level conforming loan limits for 1–4 unit properties. Find out if your purchase qualifies as conforming or jumbo.

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More calculators coming soon

Specialized calculators, each answering one specific question.

Basic Mortgage Payment
Quick PITI breakdown — price, down payment, rate, term.
Affordability Calculator
How much house can you afford on your income?
Amortization Schedule
See exactly how each payment splits between principal and interest over the life of the loan.
FHA Loan Calculator
FHA-specific math: 3.5% down, MIP, county loan limits.
VA Loan Calculator
VA-specific: zero down, funding fee, disabled veteran exemption.
Down Payment Calculator
How much you need to save by loan type and price point.
Debt-to-Income Calculator
Calculate your DTI and see what ratios qualify for each loan program.
ARM vs Fixed Calculator
Side-by-side comparison: 30-year fixed vs 5/1 ARM across rate scenarios.

Want to run the numbers now? The full purchase calculator covers all of these scenarios today.

Why our calculators are different

Most online mortgage calculators use a rough interest rate and a simplified tax formula. Ours don’t. Every calculator on this site runs on the same pricing engine we use to quote real loans \u2014 wholesale lender rates, actual LLPA pricing adjustments, state-specific tax and insurance estimates, and real FHA MIP / VA funding fee math.

That means if you compare our numbers against a final Loan Estimate from Rich Home Loans, the math lines up. We’re not selling you a teaser rate to capture a lead. We’re showing you what a real loan would cost.

Every calculator is free, anonymous, and doesn’t require a credit pull to get a realistic estimate. When you’re ready for a personalized rate and pre-qualification, book a 15-minute call with Rich.