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Home & Financial Snapshot

Let's start with some basic information about your home and finances.

Switch between analyzing your home and your small business — each keeps its own numbers.

Drop a monthly mortgage statement to prefill principal, rate, term, and escrow.

VA-eligible borrowers can take a cash-out refinance up to 100% of their home's value.

Pre-filled with an example — replace these with your own figures for an accurate analysis.

Your total monthly housing payment as you pay it.

Turn on if the payment above bundles a tax, insurance & mortgage-insurance escrow.

PMI/MIP, if any — added to your monthly escrow.

Income & Assets

Next, let's get an idea of your income and current assets.

Other Debts

List any other debts you have, like car loans, student loans, or credit cards.

PDF statement, credit report, or spreadsheet.

Other Monthly Expenses

Finally, list any other recurring monthly expenses (e.g., utilities, subscriptions, HOA dues).

Review Your Information

Please review the information you've provided. When you're ready, we'll analyze your financial picture.

Home & Mortgage

Primary Residence

Home Value

$0.00

Mortgage Balance

$0.00

Mortgage Rate

0.00%

Income & Assets

Monthly Income

$0.00

Retirement Liquid Assets

$0.00

Non-Retirement Liquid Assets

$0.00

Debts & Expenses

Total Other Debts

$0.00

Utilities

$0.00

HOA Dues

$0.00

Subscriptions

$0.00

Total Other Expenses

$0.00

About the Financial Audit

The Financial Audit walks you through your finances one step at a time — your property and mortgage, every other debt you carry, your income and expenses — so the numbers behind your analysis are right before the comparisons start. When you finish, your answers flow directly into the Analysis Tool, already filled in.

How it works

  1. Answer guided questions about your home, mortgage, and any existing home equity loan or line of credit.
  2. Add your other debts — credit cards, auto and student loans, personal loans, or business credit.
  3. Enter income and monthly expenses so affordability ratios are part of the picture.
  4. Land in the Analysis Tool with everything pre-filled and compare restructuring scenarios immediately.

Frequently asked questions

How long does the audit take?

Most people finish in five to ten minutes. You can use estimates to start and refine any number later in the Analysis Tool.

Is the Financial Audit free?

Yes. The audit and the Analysis Tool it feeds are free to use, and no account is required.

Is my information shared with lenders?

No. The audit runs in your browser and nothing is sent to any lender unless you later choose to submit an inquiry yourself.

Do I need exact numbers?

No — reasonable estimates are fine to start. Every figure can be edited afterwards, and the results update instantly. All outputs are estimates, not quotes or offers.