MLOgene.com is a free, no-obligation place to learn how home-financing decisions actually work.
The interactive tools here are built to help you explore the numbers behind real decisions — how a lump-sum payment can reshape a mortgage, whether buying or renting comes out ahead over time, and more. Adjust the inputs, see how the outcomes move, and build your own intuition before you ever talk to a lender.
Everything on this site is for educational purposes only. Using these tools carries no commitment to buy, sell, refinance, or apply for anything — and there's nothing to sign up for. When you're ready for guidance specific to your situation, Gene is here to help.
Interactive Tools
Mortgage Recast Calculator
See how a one-time lump-sum principal payment can lower your monthly payment — and compare recasting against keeping those funds invested.
Open calculatorBuy vs. Rent Calculator
Compare the long-run net worth of buying a home versus renting and investing the difference, across dozens of adjustable assumptions.
Open calculatorQuestions about your situation?
Gene Richter is a U.S. Air Force veteran and VA loan specialist based in Colorado Springs, federally registered to originate loans in all 50 states and U.S. territories. He'll shop multiple lenders to find the right fit — no obligation, no pressure.