About HomesCalculator.com and how we try to help.
HomesCalculator.com was created to give renters, buyers and owners simple tools to explore “what if?” questions – without pressure and without needing a finance degree.
What these tools are designed to do
The goal is to give you clear, plain-English estimates on questions like:
- What might renting vs buying look like over the next few years?
- Where does my current debt-to-income ratio (DTI) roughly sit?
- How might variable income (overtime, bonuses, tips, commission) be viewed?
- Could sharing a purchase with others help make ownership possible sooner?
These tools are not exact underwriting engines. Instead, they are meant to help you understand the big picture and prepare you for a better conversation with a licensed professional who can review your full documents and credit.
Who is behind HomesCalculator.com?
HomesCalculator.com is operated by Bill McElhill, who works both in real estate and mortgage origination, so you can look at your options from both sides in a coordinated way.
- Realtor® with RE/MAX Titanium, focusing on Central Florida and surrounding areas.
- Mortgage Loan Originator (NMLS 2176490) with NEXA Mortgage, LLC.
- Experience working with first-time buyers, repeat buyers, investors and co-buyers.
When you request a simple plan or ask for follow-up, the goal is to help you understand options, not to push you into anything that is not in your long-term interest.
Important reminders
All calculators and examples are estimates only. They are not tax, legal, investment or accounting advice and do not represent a loan approval, rate lock, or a commitment to lend. Program availability, rates and terms can change and may vary by lender, state and your qualifying profile.
Contact & connection options
Real Estate:
RE/MAX Titanium
375 E Highway 50
Clermont, FL 34711
Mortgage:
NEXA Mortgage, LLC – Branch / Platform (NMLS #1660690 – confirm exact wording with NEXA compliance).
Mortgage Loan Originator: Bill McElhill – NMLS 2176490
Phone (voice / text / WhatsApp):
352-988-4900
When you connect, please mention that you visited HomesCalculator.com so we can reference any calculators or forms you may have used.
Fair Housing & Fair Lending
We support and follow Fair Housing and Fair Lending principles. That means housing and credit decisions are not made based on race, color, religion, national origin, sex, handicap, familial status, or other protected characteristics under applicable law.
For more detail, please see our dedicated Fair Housing & Fair Lending Statement.