LoanIQ Calculators · v1 preview

Mortgage calculators with Ask Lola built in.

Six embeddable calculators for loan officers — accurate math (CMPS®-verified), borrower-facing AI explanations from Lola, and a handoff to the LoanIQ comparison tool. Designed to drop on any site in one line of script.

Vanilla JS · no framework Lead capture + webhook Mobile-first Embed-ready

Calculators

2 of 6 ready

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Mortgage Payment

Full PITIA breakdown with P&I, taxes, insurance, and mortgage insurance. Amortization schedule, extra-payment impact, and PMI removal projections.

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DSCR Rental

Debt Service Coverage Ratio for investor loans. Tier positioning, cash-on-cash return, max-loan solver, and property-type-aware logic (STR included).

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Buydown Comparison

2-1, 3-2-1, 1-0, and permanent buydowns side-by-side. Upfront seller credit, breakeven months, and multi-year payment cliff chart.

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Affordability

"How much house can I afford?" Conv/FHA/VA/USDA/Jumbo with program-aware DTI caps, county loan limits, and side-by-side comparison across all five.

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Rent vs Buy

Long-term financial comparison with appreciation, opportunity cost, maintenance, transaction costs, and interest-deduction tax impact. Breakeven year chart.

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Seller Net Proceeds

TX-focused seller-side net-at-closing. Uses TX promulgated title rate schedule, tax prorations, HOA transfer, plus custom line items. Price-slider what-ifs.

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Design system

Navy · teal · Lola purple. All classes prefixed liq- to avoid embed collisions. shared/styles.css is source of truth.

Webhook

Every submission POSTs to LOANIQ_CONFIG.webhookUrl. Currently PLACEHOLDER — payloads log to console until wired.

Ask Lola

Mock responses in Phase 1 (real, substantive). Swap in the real proxy URL at LOANIQ_CONFIG.lolaApiUrl when ready.