Planning Tools for Complex Mortgage Situations
Calculators, checklists, and worksheets to help you prepare before a Planning Review — or understand what to expect from the mortgage process.
Start With the Tools Used Most Often
These five calculators help organize the key purchase, construction, physician, and affordability questions. Results are planning estimates only; they do not reflect actual rates, program eligibility, or approval likelihood.
Construction Loan Calculator
Build a detailed project budget across land, soft costs, construction agreement costs, contingency, closing estimates, and credits.
Physician Mortgage Calculator
Compare down-payment scenarios, payment components, estimated loan amount, LTV, and total interest before a physician mortgage planning review.
Buy vs. Rent Calculator
Compare buying and renting with a planning lens around financial profile, time horizon, and market conditions.
Debt-to-Income Ratio
Calculate an approximate debt-to-income ratio using monthly obligations and an estimated housing payment.
4-Way Mortgage Calculator
Find a monthly payment, max loan amount, implied interest rate, or payoff term in one planning tool.
Useful for a refinance decision or a broader affordability conversation after you have worked through the primary tools above.
Build With a Complete Budget
Construction loans require more documentation than purchase loans. These tools help you organize the project before the application.
Construction Budget Worksheet
A structured template for tracking land cost, hard construction costs, soft costs, contingency, and financing fees in a single-close construction project.
Draw Schedule Overview
Understand how construction draws work — what triggers each draw, who inspects, and how funds are released to the builder.
Builder Approval Checklist
What lenders typically require from a builder: license, insurance, financial statements, and project documentation.
Prepare Before You Apply
Each situation has different documentation requirements. These checklists help you gather what you need before the Planning Review.
Physician Mortgage Checklist
Documents and preparation steps specific to physician mortgage planning — employment contracts, student loan statements, and more.
Construction Loan Document List
What to organize before a construction planning review: plans, specifications, builder contract, and land documentation.
Self-Employed Borrower Checklist
Tax returns, business documentation, and income-analysis preparation for self-employed borrowers.
Buy Before You Sell Checklist
Steps to prepare for a bridge loan, contingency strategy, or coordinated closing when you own a current home.
Standard Documents for Most Mortgage Applications
Additional documents may be required depending on the loan type, income source, and property. A Planning Review will identify what applies to your situation.
Ready to Start the Conversation?
A Planning Review will identify which tools and documents apply to your specific situation.
Start a Planning Review