Work Hard Mortgage

Realtor Tools

Free tools and resources to help you answer buyer questions, run scenarios, educate clients, and grow your business.

Bookmark this page so everything is easy to find when you need it.

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Help a Buyer

Answer a buyer question in the moment

The tools Work Hard Mortgage is best known for — open one while you are standing in the house.

Homebuyer Snapshot

Give a buyer an easy-to-understand look at their estimated buying range, payment scenarios, credit impact, and down-payment options.

Open Homebuyer Snapshot

Hourly Income → Buying Power

Have a buyer who thinks in hourly wages? Quickly translate hourly income into an estimated home-buying range and payment picture.

Open Hourly Income Tool

Buydown Calculator

See how seller concessions and rate buydowns could change a buyer’s payment and compare the options side by side.

Compare Buydown Options

Affordability Calculator

Estimate how much home may fit a buyer’s income, debts, and monthly budget.

Estimate Affordability

Payment Scenario Comparison

Compare financing and payment scenarios side by side so buyers can see the differences clearly.

Compare Scenarios

Rent vs. Own

Help a renter compare continuing to rent with the potential financial impact of buying.

Compare Rent vs. Own

Cost of Waiting

Illustrate how waiting to buy could affect future home price, payment, rent paid, and overall buying power.

See the Cost of Waiting

Blended Rate Calculator

Quickly calculate the effective combined rate when a financing scenario involves more than one interest rate.

Calculate Blended Rate

Investment Property Calculator

Help investors estimate cash flow, potential depreciation benefits, and long-term returns.

Run Investment Numbers

Help With a Home or Offer

Home search and offer conversations

Useful once a buyer is looking at real homes and weighing real offers.

Home Sale & Next Home Calculator

Compare seller proceeds and the next home down payment, loan amount and complete monthly payment at three sale prices.

Compare Sale & Purchase

Home Search & Offer Tools

Useful tools for the home-search and offer stage — including comparing homes, evaluating offers, seeing what offering more actually costs per month, and discussing offer strength.

Open Home & Offer Tools

Search Homes

Help buyers explore homes and neighborhoods and keep their home search moving.

Search Homes

Home Value & Equity

Useful for sellers, move-up buyers, and homeowners who want to understand their home’s estimated value and equity.

Check Home Value

Buy Before You Sell

Explore options for homeowners who want to purchase their next home before selling their current one.

Explore Buy Before You Sell

Buyer Education & Resources

Explain it in plain English

The context that answers “what does that mean?” — for you and for your clients.

Down Payment Assistance

Help buyers explore assistance and understand options when down payment is one of their biggest concerns.

Explore Assistance

HELOC Equity & Payments

Explore illustrative available equity, payment examples and rate-rise scenarios with homeowners.

Explore HELOC Options

Loan Programs

A simple overview of common financing options including Conventional, FHA, VA, USDA, and other available programs.

View Loan Programs

Mortgage Rate Trends

Get current mortgage-rate context and information you can use when discussing the market with clients.

See Rate Trends

Utah Housing Market

Market context and educational information for conversations with Utah buyers and sellers.

View Market Data

Mortgage Glossary

A simple resource to help clients understand unfamiliar mortgage terminology.

Open Glossary

All Buyer Resources

Explore Work Hard Mortgage’s full library of homebuyer videos, guides, calculators, and educational resources.

View All Buyer Resources

Grow Your Business

Built for Realtor partners

Free education and ways to get your name, business, and story out there.

Free Realtor CE

Find upcoming Work Hard Mortgage continuing-education classes, see available credit hours, and reserve your spot.

View CE Classes

Be Featured on the Podcast

Share your story, expertise, business, or connection to the community through a Work Hard Mortgage podcast conversation.

Schedule a Conversation

Realtor Growth Resources

Explore additional tools and resources Work Hard Mortgage provides to help Realtor partners educate clients, market themselves, and grow their business.

Explore Realtor Resources

Work Hard Mortgage · NMLS #2396714 · Equal Housing Opportunity · Licensed in Utah

Program availability and loan approval depend on credit, income, assets, property type, occupancy, and underwriting approval. Calculator results are educational estimates, not a loan approval or a rate lock.