UNMORTGAGE MONEY MAP

DON'T GET ANOTHER MORTGAGE. SEE WHAT AN UNMORTGAGE COULD DO INSTEAD.

Before you replace one 30-year mortgage with another, compare your current loan against an UnMortgage strategy using your own numbers.

See how the two approaches stack up for monthly cash flow, total interest, and modeled payoff timeline.

Run My Mortgage

No sales pitch before the math.

WHAT IS AN UNMORTGAGE?

Most homeowners, when they feel the squeeze, refinance into another 30-year mortgage. New rate, same structure, same slow drain.

An UnMortgage is a different approach to home financing. Instead of replacing one traditional mortgage with another, it structures your home loan around your household's actual cash flow.

Your income works against your balance every night instead of sitting idle in a checking account while the meter runs.

The calculator below shows you what that difference could look like using your specific mortgage, income, and expenses.

This is not a refinance calculator. This is not a HELOC calculator. This is not a loan application.

This is a comparison between your current mortgage and a modeled UnMortgage strategy, using your real numbers.

YOUR NUMBERS / YOUR COMPARISON

WHAT WOULD YOU MOST LIKE TO CHANGE ABOUT YOUR MORTGAGE?

Choose the outcome you want to explore. This shapes how your results are presented.

PUT MONEY IN MY POCKETExplore how an UnMortgage strategy could potentially free up more monthly cash flow without extending your payoff significantly.KILL MY MORTGAGEExplore a strategy focused on reducing your modeled payoff timeline as aggressively as your cash flow allows.BEST OF BOTH WORLDSExplore a balance between freeing up monthly cash and cutting years off your payoff at the same time.

You can run all three after you see your first result.

GRAB THESE NUMBERS

You will need the following to run your comparison. Estimates are fine. You can adjust as you go.

What to have ready

Current mortgage balance: Interest rate: Monthly principal and interest payment (do not include taxes, insurance, HOA, or escrow: just the principal and interest portion): Original loan term or approximate start date: Approximate monthly take-home income

Approximate monthly expenses (rent, bills, groceries, regular spending: not the mortgage payment): Property taxes (annual or monthly)

Homeowners insurance (annual or monthly)

Your current mortgage

Outstanding mortgage balance ($)

Find this on your most recent mortgage statement. It is labeled "principal balance" or "outstanding balance."

Interest rate (%)

Your current rate is on your mortgage statement or your original loan documents. Use the rate, not the APR.

Monthly principal and interest payment ($)

This is the base payment only. Do not include your escrow amount for taxes and insurance. If you are unsure, check your statement for a line labeled P&I.

Mortgage start month

Use the start month on your loan documents.

Original loan term

Use the original term, not years remaining.

Your household

Take-home income per month ($)

Use what actually lands in your bank account each month after taxes. If your income varies, use a conservative monthly average.

Monthly expenses ($)

Include regular household spending: utilities, groceries, subscriptions, car payments, and similar. Do not include your mortgage payment here.

Enter property taxes and homeowners insurance separately below; do not count them twice.

Annual property taxes ($)

Use your annual tax bill, or monthly amount × 12.

Annual homeowners insurance ($)

Use your annual premium, or monthly amount × 12.

No sales pitch before the math.

WHY THESE NUMBERS MATTER

WHY WE ASK ABOUT YOUR INCOME AND EXPENSES

Traditional mortgage calculators look at the loan.

An UnMortgage strategy looks at the money moving through your household, because available cash flow is what drives the structure.

The more your income exceeds your expenses on any given night, the harder that structure can work against your balance.

We only need a basic estimate of what comes in and what goes out. There is no credit check here. No application. No one will call you because you ran this calculator.

This calculator is not designed to push you toward a specific outcome. If your current mortgage wins the comparison, the numbers will show that. Run them and see.

Calculations and downloads stay in your browser. The optional email form sends your inputs to the server only when submitted, to prepare your requested report.

YOUR MONEY MAP / ALL THREE PATHS

Here is what the comparison looks like for your household.

These are modeled projections based on your inputs and assumptions about how the structure operates. They are not a guaranteed outcome or a loan quote. Actual results depend on your cash flow, rate environment, and how consistently the structure is used.

Not ready yet? Run a different path.

All three paths, side by side

Path	Cash retained / month	Modeled payoff	Estimated interest

Inputs and assumptions

TAKE THE RESULTS WITH YOU

Your three-path Money Map

Run a different path. Or take the results with you and come back when you are ready.

All three paths and assumptions. No contact details required.

READY TO MOVE FORWARD

Book My Free Session

Want to understand what these numbers mean for your household specifically? Book a free 45-minute review session with Jason Iacovelli, NMLS #3370.

If the numbers look worth exploring, the next step is a free 45-minute review session. Jason walks through your personalized results, answers every question you have, and tells you honestly whether the UnMortgage is the right fit for your situation.

You never pay anything unless you close on the new loan. Closing costs come from the loan itself, not your pocket.

Book My Free Session

DON'T GET ANOTHER MORTGAGE. SEE WHAT AN UNMORTGAGE COULD DO INSTEAD.

WHAT IS AN UNMORTGAGE?

WHAT WOULD YOU MOST LIKE TO CHANGE ABOUT YOUR MORTGAGE?

GRAB THESE NUMBERS

Here is what the comparison looks like for your household.

All three paths, side by side

Your three-path Money Map

Email a copy (optional)

Book My Free Session