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Free Michigan Mortgage Tools

Know your numbers
before you commit.

Enter any address. Get real property taxes, an accurate payment estimate, and what you'll need at closing — for that exact home.

What's my payment on this home?

Start by typing the address. We'll pull the actual property taxes and calculate your true monthly payment.

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Type to search — we'll find the exact property
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Property found
🔍 Looking up taxes...
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Estimated Monthly Payment
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Principal + Interest + Taxes + Insurance
Principal & Interest
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Property Tax
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Homeowner's Insurance
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Michigan avg rate
PMI
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Rate Scenarios — What If Rates Move?

Based on Freddie Mac 30-yr avg of 6.38% (week ending 3/26/2026). Your actual rate depends on credit, down payment, and loan type. Tommy can lock your rate same-day.

Estimated Closing Costs (Buyer)
Loan Origination (~0.75–1%)—
Appraisal$600 – $750
Credit Report~$40
Lender's Title Insurance—
Owner's Title Insurance (seller often pays in MI)—
Recording Fees$75 – $100
Prepaid Interest (~15 days)—
Escrow Setup (2–3 months taxes + insurance)—
Total Estimated Closing Costs—

Michigan buyer closing costs typically run $4,000–$8,000. These are estimates — Tommy provides exact numbers in your official Loan Estimate.

💰 Total Cash to Close
Down payment + estimated closing costs
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Ready for your real numbers?

These are estimates. Tommy provides an official Loan Estimate — usually the same day you reach out.

📞 Call Tommy 💬 Text Tommy

Tommy Lower | NMLS #31194 | Licensed Mortgage Lender | Equal Housing Lender | Licensed in Michigan.
All calculations are estimates for illustrative purposes only. Property tax data sourced from public records where available. Actual payments and costs vary based on credit score, final loan terms, lender fees, and market conditions at time of application. Not an offer to lend.

Got a quote from another lender?

Upload your Loan Estimate and I'll analyze it — then show you exactly how Tommy compares on rate, fees, and total cost.

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Drop your Loan Estimate here
or click to browse · PDF or image accepted
— or enter key numbers manually —
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Page 2, Sections A+B of their LE
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Page 3 of their LE
Head-to-Head Comparison
Their Quote
Other Lender
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Tommy's Estimate
Tommy Lower · Tommy's lender
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ItemTheir QuoteTommy's Est.Difference
💰 Potential Savings
Over 30 years vs. their quote
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These are estimates — not a binding offer Tommy's official Loan Estimate (required by law) comes after a quick application. Call or text him — he'll come back with his best number, usually same-day.

Let Tommy beat that quote.

Send him the LE directly — he'll call you back with his best number, usually same-day.

📞 Call Tommy Now 💬 Text Him Your LE

Tommy Lower | NMLS #31194 | Licensed Mortgage Lender | Equal Housing Lender | Licensed in Michigan.
Comparison estimates are for illustrative purposes only. Tommy's actual rate and fees depend on borrower qualifications, loan type, and market conditions at time of application.