Mortgage Maker

Mortgage Maker lets you play around with the variables in a mortgage loan to find a combination that qualifies. That's all it does, but it does a nice job of it. The program is free for personal use. It computes the "qualifying ratios" that the banks use to rate loans. Its Backsolve feature answers questions like "how much house can I afford on this income?" or my favorite, "How much does my spouse/partner need to make for us to get into that house." It also handles refinances and estimates closing costs. For real estate or mortgage professionals, the program is a handy way to print quick estimates for clients. Mortgage Maker is free for personal use, $10 for professional use, and the package may be redistributed. mortgagemaker@kagi.com