Homeownership, demystified
Guides, answers, and tools to help you understand your mortgage and keep more of your money.
Free tools
PMI drop-date calculator
See your exact 80% (by-request) and 78% (automatic) PMI removal dates. No signup required.
Try the calculatorEscrow shortage calculator
See whether your payment is headed for a shortage or a surplus before your next escrow analysis.
Try the calculatorRefinance break-even calculator
Compare your payment against today's live 30-year rate and see your exact break-even point.
Try the calculatorExtra payment calculator
See the interest you'd save and the years you'd cut off by paying a little extra toward principal.
Try the calculatorLike these tools? CasaCrow runs them for you, daily.
Your free mortgage breakdown saves your numbers so you never re-type them — and Pro watches PMI, escrow, and rates around the clock, emailing you the day it's worth acting.
From the blog
How to cancel PMI and save thousands
The exact rules for removing private mortgage insurance, and how to know when you qualify.
Read the guideHow to write a PMI removal letter (free template)
A step-by-step template for requesting PMI cancellation from your servicer.
Read the guideYour rights under the Homeowners Protection Act
The federal law behind PMI cancellation, explained in plain English.
Read the guideWhat LTV is and why 80% matters
The one number that decides when your PMI can go away.
Read the guideWhy your mortgage payment suddenly jumped
Escrow shortages explained, plus how to avoid the dreaded year-end payment shock.
Read the guideHow to read your annual escrow analysis
A line-by-line guide so a payment change never catches you off guard.
Read the guideWhat a property tax increase does to your payment
How a tax reassessment flows through to your monthly bill, and what you can do about it.
Read the guideIs now a good time to refinance?
How to calculate your break-even point and decide whether refinancing actually saves you money.
Read the guideRecast vs refinance: which saves more?
Two very different tools for lowering your payment, and how to tell which wins.
Read the guideHow extra payments actually hit your amortization
Where each extra dollar goes, and how much time and interest it really saves.
Read the guideLearn More
See exactly how CasaCrow monitors your mortgage, triggers alerts, and helps you keep more of your money.
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