Mortgage Strategy Plannerby Credit Optimize
Decision-support tool
Your paid planning level

Compare the choices behind your mortgage.

Change the home price, down payment, debt, cash, timing, and rate assumptions to see how each decision changes monthly pressure, cash to close, reserves, and potential lender-review friction.

Your planning inputs

We prefill these from the free Mortgage Ready Check when available. You can change any number.

The important trade-off: using cash to reduce a monthly obligation can lower modeled DTI, but may also weaken cash-to-close and reserve strength. This planner compares both sides.
Current plan—
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—Housing payment
—Modeled DTI
—Modeled LTV
—Reserve months
—Cash after closing
—Gross income after housing + debts

Potential mortgage friction

Your scenario comparison

The engine compares the current plan with alternatives. These are planning illustrations, not approval recommendations.

Educational planning estimates only. This is not a mortgage application, prequalification, preapproval, lending decision, appraisal, rate quote, credit score, financial advice, or commitment to lend. A licensed mortgage professional must determine qualifying income, debt treatment, program eligibility, pricing, documentation, and underwriting requirements.