Skip to content
Serving Monroe, Pike, Wayne & Carbon Counties, PA (484) 469-5070 info@mountainmortgage.us
Get My Rate
Free Tools

Free Poconos mortgage calculators that show real numbers.

Not "estimate your payment" widgets — real pricing engines. Both tools show you everything before asking for anything. All results are estimates, not a commitment to lend.

Preview of the Pennsylvania purchase quote tool showing FHA, Conventional, and VA loan options side by side

PA Purchase Quote

Buying a home in Pennsylvania? See exactly what you get:

  • FHA, Conventional & VA priced side-by-side for your scenario
  • Full monthly payment — principal, interest, taxes, insurance, and mortgage insurance
  • Cash to close, every line item — down to your county's transfer tax
  • Rate & points options, not just one number
  • A printable fee worksheet you can hold any lender to
Free · No credit pull · No phone number required See My Real Numbers
Preview of the DSCR instant quote tool showing rate, structure, and prepay options for rental properties

DSCR Instant Quote

Pricing a rental or Airbnb? See the whole menu:

  • Every rate, points & structure combo — not one cherry-picked option
  • Prepay options explained in plain English
  • DSCR calculated for you — long-term and short-term rental income
  • Full monthly payment with taxes, insurance & HOA
  • Estimated cash to close for the deal
Free · Built for Pocono investors Price My Deal

Five more, for the moment you're actually in

The two above price a loan. These five answer the question that shows up mid-process — the one a calculator can't. Each is free, ungated, and gives you the answer before it asks for anything. All results are estimates, not a commitment to lend.

DSCR Quote Check

You have a term sheet from another lender and an appraisal fee about to come due.

  • Your fee load benchmarked against typical ranges for your loan size
  • What the prepayment penalty costs to exit in years 1, 2, 3 and 5
  • The Pennsylvania prepay check — it may not be allowed on your loan
  • Nine things to get in writing before you pay for the appraisal
Free · If your quote is good, we'll tell you to keep it Check My Quote

STR Lender-Tier Finder

Told your Guesty export isn't sufficient, or that they underwrite to long-term rent?

  • Which of the three lender tiers your short-term rental is in
  • The document list that tier accepts — and which ones are only supplementary
  • The three questions to ask before an appraisal fee is spent
  • A printable checklist
Free · Five questions · No documents Find My Tier

PA Cash-to-Close Decoder

The number on your Loan Estimate isn't the number you were told. This explains why.

  • Every line of cash to close, decoded in plain English
  • Pennsylvania transfer tax and local millage built in
  • Which lines are negotiable, which are fixed, and which are yours either way
Free · Monroe, Pike, Carbon & the Lehigh Valley Decode My Numbers

PHFA Survival Kit

Using a PHFA loan — or wondering whether the assistance actually pays?

  • The lock rules and extension ladder in dollars, for your loan
  • A PHFA-versus-the-alternatives side-by-side on your own numbers
  • Why a large deposit can shrink your K-FIT amount
Free · We don't originate PHFA loans — if it wins, we'll say so Open The Kit

Prepay Exit Cost

What does it cost to get out of a DSCR loan early? Nobody puts this on a term sheet.

  • Exit cost by year, on two structures side by side
  • Or on the loan you already have — today, in 12 months, in 24
  • The Pennsylvania rule, with the 2026 figure
Free · No rate quoted Show My Exit Cost

Pocono STR Pencil Test

Pencil a short-term rental before you write the offer.

  • A lender's-eye DSCR test on three inputs
  • The township occupancy layer — heads in beds is what drives the revenue
  • The max price that still clears each ratio threshold
Free · No documents · No credit pull Pencil The Deal
Fair Questions

Why is this free and ungated?

Because you shouldn't have to trade your contact info for a number. Most lenders gate their pricing behind a lead form, then call you for weeks. We publish ours. If the numbers work for you, you'll reach out — that's the whole bet.

No. Neither tool pulls credit. You tell us the credit-score range, and the pricing reflects it. Credit is only pulled later, if you decide to apply.

The tools price from the same live rate tables we quote from on the phone. Results are estimates, not a commitment to lend — final terms depend on a full application and underwriting — but they're the same starting numbers we'd give you in person.

Numbers first. Conversation when you're ready.

Run a quote, print the worksheet, sleep on it. When you want a human to walk through it with you, we're one call away.

Get My Rate Start Pre-Approval

Or reach us directly: (484) 469-5070  ·  info@mountainmortgage.us