HomesCalculator.com
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Hi, I'm Bill: your local Realtor and loan officer.

Your next home move, made simple.

Free tools, real numbers, and one expert for the home and the loan.

What are you planning?

Buy a homeFirst home or next home Sell my homeHow much is it worth, and how much would I walk away with? Lower my paymentRefinance, equity, pay off sooner Moving to a different state?Tell us where: we help or connect you
More options
Sell and buyMove up or downsize Renting nowCould I own instead? Can I become a landlord?Rent out a home, plus a free Landlord Guide My home maintenance planA printable schedule for your home
Bill McElhillRealtor® and loan officer · NMLS #2176490
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Quick answers in 60 seconds

Can I buy a house?Get your personal plan What would I pay each month?Mortgage payment calculator What's my home worth?Free home value report Where do I start?Your Home Roadmap, step by step
18 client reviews Loans from over 300 lenders NMLS #2176490

Real estate + mortgages · one expert for both

Make your next home move with real numbers.

Free calculators and plain-English guides for buying, selling and owning a home from a local expert who handles both the home and the loan.

Homeowners: a free home value report every month. No obligation.

What would you like to do?

Buy a homeBudget, grants, loans and homes sent to you Sell my homeHow much is it worth, and how much would I walk away with? Lower my paymentsRefinance, use your equity, 62+ options Moving to a different state?Moving to Florida, or leaving: we help or connect you Sell and buyMove up, downsize or relocate Renting nowWhen buying beats renting, and how to get there Can I become a landlord?Rent out a home: finance, rules and a free Landlord Guide My home maintenance planA printable care schedule for your own home

Not sure where to start? See Your Home Roadmap: every step, in order →

What clients say about Bill

He wasn’t just an agent, he became the uncle I didn’t know I needed during my first home-buying journey.
Lavonda F., Buyer, Ocala
RateMyAgent, 2025
He was such a blessing and managed to get my family and I into our dream home.
Casey H., Seller, Pine Hills
RateMyAgent, 2022
We never felt pressured - he always had our best interest in mind.
Amanda & Chris B., Buyers, Four Corners
RateMyAgent, 2022

5.0 stars from 18 verified client reviews on RateMyAgent →

How it works

  1. 1
    Check your numbersFree calculators and guides. No sign-up.
  2. 2
    Get your personal planBill checks your real numbers, free.
  3. 3
    Move with one expertThe home and the loan, handled together.

Quick calculators: see your own numbers

Free, private and no sign-up. Every tool ends with an option to have us check your numbers.

Your mortgage payment, two ways

What do you know?
Are you (or your spouse) a veteran or service member?
Home price you could buy
$—
  • Principal & interest (the mortgage)
  • Property tax
  • Home insurance
  • Mortgage insurance
  • HOA / CDD
  • Total per month
  • Home price
  • Down payment

See my full monthly cost →

Approximate estimate using an example rate, property tax of about 1.2% of the price a year and insurance of about $2,800 a year. Not a loan offer or commitment to lend.

How much can I afford?A realistic price range from your income, debts and savings, in about a minute.Find out → Rent or buy?See what a landlord might be paying, and when buying could come out ahead with your numbers.Compare → Down payment grantsPrograms that may help with your down payment and closing costs.Check grants →

See all free tools →

Quick answers

How much money do I need to buy a home?

Usually a down payment plus closing costs. Some loans allow 0% to 3.5% down, and Down Payment Grants can cover part of it. Closing costs are commonly 2% to 5% of the price. Estimate your cash to close.

Can I buy a new home before I sell mine?

Often, yes: by using equity from your current home, a bridge option, or by qualifying with both payments for a short time. We can compare the options for your situation.

What is Extra Credit (a HELOC)?

A home equity line of credit lets you borrow against your home's value as needed, often for improvements or to pay off higher-rate debt. See how much you could save.

Do you only help in Florida?

No. Bill McElhill is a Florida Realtor, so he can help you buy or sell anywhere in Florida, and a mortgage loan originator licensed in Florida, Georgia and Texas. Buying or selling in another state? We connect you with a trusted local agent.

More in-depth mortgage guides: LoansAndHouses.com

Home & Mortgage Quiz

Test what you know about homes and mortgages

Homes, money and mortgages, by age group (from 5-year-olds with a grown-up to professionals) or step by step from easy to expert.

Take the quizDictionary

Talk to Bill

A quick, no-pressure call to check your numbers and your options.

Bill McElhill

Bill McElhill

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Bill takes calls every day, 12:30 PM to 7:00 PM (Eastern time). He'll text you to confirm.

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Educational information only. This page gives general information to help you learn and plan. It is not legal, tax, financial or other professional advice, or an offer to lend. For advice on your situation, talk to a licensed professional. Terms of use

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