Mortgage Suite

Goal

Buy, amortize, optimize, refinance.

Instrument chain

1. 01
   Closing Costs & Cash-to-Close Estimator

   day 0

   VERIFIED
2. 02
   Loan/Mortgage Payment

   payment

   VERIFIED
3. 03
   Amortization Schedule

   schedule

   VERIFIED
4. 04
   PMI / LTV Estimator

   PMI drop-off

   VERIFIED
5. 05
   Extra-Payment Payoff Impact

   optimization

   VERIFIED
6. 06
   Refinance Break-Even

   refi decision

   VERIFIED
7. 07
   APR vs APY Converter

   rate literacy

   VERIFIED
8. 08
   Debt-to-Income Ratio Calculator

   qualification

   VERIFIED
9. 09
   Rent vs Buy (Home) Comparator

   the big question

   VERIFIED

Handoffs and cross-checks

Loan amount → payment → schedule → LTV timeline → extra-payment and refi scenarios.

PointGuard stance

The amortization table is the source of truth: payment×n − principal must equal total interest to the cent (the t2-044/t3-008 failure modes).

Sources and evidence

These pointers bind the page to evidence. They do not grant authority or collapse verification into deployment.

• INSTRUMENT_COMBOS.json
• VERIFIED_LEDGER.json