# The Mortgage Calculator

> The Mortgage Calculator is a Miami-based mortgage lender and broker combining online pricing and applications with licensed loan officers. Alongside conventional and government-backed mortgages, it specializes in alternative-documentation loans for self-employed borrowers and property investors.

- **Founded:** 2019
- **Headquarters:** Miami, United States
- **Founders:** Nicholas Hiersche (Founder and President)
- **Products:** Online mortgage quotes and calculators, Bank statement mortgages, DSCR investor mortgages, Conventional, FHA, VA and USDA mortgages, Asset-based non-QM loans
- **Notable:** Became an independent correspondent lender in 2022., Reported more than 200 loan officers at its September 2022 transition., Currently reports more than 450 licensed mortgage loan originators.

## Products & services

- **Online mortgage quotes and calculators** — Scenario-based pricing and payment tools for purchase, refinance and specialist loans.
- **Bank statement mortgages** — Alternative income verification for self-employed borrowers using personal or business bank statements.
- **DSCR investor mortgages** — Investment-property financing centered on rental cash flow rather than personal employment income.
- **Conventional, FHA, VA and USDA mortgages** — Mainstream home purchase and refinance programs, subject to eligibility.
- **Asset-based non-QM loans** — Asset utilization and depletion approaches for borrowers with nontraditional income.
- **Jumbo and super-jumbo mortgages** — A September 2025 company announcement advertised financing up to $10 million for eligible properties.
- **Second mortgages and HELOCs** — Home-equity borrowing through fixed-rate second liens and credit lines.
- **Commercial, construction and fix-and-flip financing** — Specialist real estate financing for investors and developers.
- **CALVIN AI platform** — Company-described mortgage workflow tools connecting quotes, applications and file management.

## Achievements

- Became an independent correspondent lender in 2022.
- Reported more than 200 loan officers at its September 2022 transition.
- Currently reports more than 450 licensed mortgage loan originators.

## Latest updates

- **2025-11** — Company release emphasized fixed-rate second mortgages as an option for accessing equity while retaining an existing first mortgage.
- **2025-09** — Announced enhancements to bank statement lending and a jumbo program advertising loans up to $10 million.
- **2025-06** — Announced an enhanced FHA calculator covering payments, closing costs and amortization.
- **2025-02** — Announced asset-based non-QM programs.

## Links

- Website: https://themortgagecalculator.com/
- LinkedIn: https://www.linkedin.com/company/mortgagecalculator
- YouTube: https://www.youtube.com/channel/UCMy6VcvtomCQHpuZN_GZzUg
- Instagram: https://www.instagram.com/themortgagecalculatorco/
- Facebook: https://www.facebook.com/mortgagecalculatorcompany
- TikTok: https://www.tiktok.com/@themortgagecalculatorco/

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Profile page: https://yespress.io/the-mortgage-calculator
Published by YesPress — https://yespress.io
Last updated: 2026-10-25