# MLO Calculators Suite

> Professional mortgage calculator platform for loan officers. 12 interactive calculators with client presentations, white-label branding, and cloud sync.

## About
MLO Calculators Suite is a browser-based SaaS platform built for licensed mortgage loan originators, brokers, and real estate professionals. It provides 12 interactive financial calculators with full-screen client presentation mode, white-label branding, saved presentations, bulk client management, and Firebase cloud sync. Loan officers use it to run scenarios with borrowers in real time, generate polished comparisons, and close more deals with data-driven presentations.

## URL
https://mlocalculators.com

## Tools & Calculators (12 total)

1. **Mortgage Calculator** — Full PITI breakdown with taxes, insurance, PMI, and HOA. Adjustable term, rate, and down payment with instant visual charts.
2. **Loan Comparison** — Side-by-side comparison of up to 4 loan scenarios with total cost, monthly payment, and interest differences highlighted.
3. **Refinance Calculator** — Break-even analysis, monthly savings projection, and total interest savings for refinancing decisions.
4. **Pre-Approval Estimator** — Maximum purchase price based on income, debts, down payment, and DTI ratio guidelines.
5. **HELOC Calculator** — Home equity line of credit payment projections with draw schedules and variable rate modeling.
6. **Extra Payment Calculator** — Payoff timeline acceleration and total interest savings with additional principal payments.
7. **Closing Costs Estimator** — Itemized buyer and seller closing cost breakdown with regional adjustments.
8. **Fix & Flip Calculator** — After-repair value (ARV), rehab costs, holding costs, and profit projections for real estate investors.
9. **Rent vs Buy Analysis** — Total cost comparison of renting versus buying over a configurable time horizon with appreciation and tax considerations.
10. **Temporary Buydown Calculator** — 2-1 and 3-2-1 buydown payment schedules showing monthly savings and total buydown cost.
11. **Amortization Table** — Full loan amortization schedule with principal/interest breakdown and cumulative totals by year.
12. **DSCR Calculator** — Debt service coverage ratio analysis for investment property qualification with NOI and expense inputs.

## Key Features

- **Client Presentation Mode** — Full-screen branded presentations optimized for client meetings, screen sharing, and in-person consultations
- **White-Label Branding** — Custom logo, company colors, name, NMLS number, phone, and email displayed on all screens and presentations
- **Cloud Sync via Firebase** — Branding settings and saved presentations sync across all devices in real time
- **Saved Presentations** — Save unlimited calculator scenarios per client; recall and present during follow-up calls
- **Client Management** — Organize presentations by client with add, edit, and bulk operations
- **Bulk Operations** — Select multiple presentations or clients for batch deletion; "Delete All" options for quick cleanup
- **Mobile Responsive** — Fully responsive on desktop, tablet, and phone for on-the-go client meetings
- **Dark Mode** — Light and dark theme with system preference detection
- **Admin Dashboard** — User management, subscription analytics, and system monitoring for administrators
- **No Installation Required** — 100% browser-based PWA, works on any device with a modern web browser
- **Stripe Billing** — Secure subscription management with monthly billing

## Target Audience

- Licensed mortgage loan officers (MLOs) at banks, credit unions, and mortgage companies
- Independent mortgage brokers and wholesale account executives
- Real estate agents who want branded mortgage calculators for client consultations
- Mortgage teams and branches needing a shared branded calculator suite
- Real estate investors analyzing fix & flip deals and DSCR rental properties
- Loan officer assistants preparing client presentations

## Pricing

| Plan | Price | Includes |
|------|-------|----------|
| Free Trial | $0 for 7 days | Full access to all 12 calculators, presentations, branding, cloud sync |
| Pro | $14.99/month | Unlimited access to everything, priority support |

No credit card required for trial. Cancel anytime.

## Technical Details

- Built with React (browser-rendered, no server framework)
- Firebase Authentication and Firestore for user data
- Stripe for subscription billing
- Works offline after initial load (service worker cached)
- No native app required — runs in Chrome, Safari, Firefox, Edge

## Pages

- **Landing Page** (/) — Product overview, feature highlights, pricing, and sign-up CTA
- **App Dashboard** (/home.html) — Main calculator interface after login
- **Admin Panel** (/admin.html) — Administrative dashboard for user/subscription management
- **Privacy Policy** (/privacy.html) — Data collection and usage practices
- **Terms of Service** (/terms.html) — Service agreement and usage terms

## Contact

- Website: https://mlocalculators.com
- Email: support@mlocalculators.com

## Frequently Asked Questions

### What is MLO Calculators Suite?
MLO Calculators Suite is a browser-based platform with 12 mortgage and real estate calculators designed specifically for licensed loan officers. It includes full-screen client presentation mode, white-label branding, client management, and cloud sync so you can run scenarios with borrowers in real time and present polished results.

### How much does MLO Calculators Suite cost?
MLO Calculators Suite offers a 7-day free trial with full access — no credit card required. After the trial, the Pro plan is $14.99 per month for unlimited access to all 12 calculators, saved presentations, branding customization, client management, and cloud sync. Cancel anytime.

### Can I add my own branding and logo?
Yes. Upload your company logo, set custom brand colors, and add your name, NMLS number, phone number, and email. Your branding appears on all calculator screens, client-facing presentations, and shared links.

### Does it work on mobile devices?
Yes. MLO Calculators Suite is fully responsive and works on phones, tablets, and desktops. You can run calculations and present to clients from any device with a web browser — perfect for on-the-go meetings.

### Can I save and share calculations with clients?
Yes. Save unlimited presentations organized by client. Each saved presentation preserves all inputs and results so you can pull them up during follow-up calls or send shareable links.

### How do I manage multiple clients?
The built-in client management system lets you create client profiles, organize presentations by client, and perform bulk operations like selecting multiple items for deletion or clearing all data at once.

### What calculators are included?
The suite includes 12 calculators: Mortgage (PITI), Loan Comparison, Refinance, Pre-Approval, HELOC, Extra Payment, Closing Costs, Fix & Flip, Rent vs Buy, Temporary Buydown, Amortization Table, and DSCR.

### Do I need to install anything?
No. MLO Calculators Suite runs entirely in the browser. Nothing to download or install. Sign up and start using it immediately on any device with a modern web browser.

### Is my data secure?
Yes. MLO Calculators Suite uses Firebase Authentication for login security and Firestore with security rules for cloud storage. Your branding settings and saved presentations are encrypted in transit and synced only to your authenticated account.

### Who is this for?
MLO Calculators Suite is built for licensed mortgage professionals — loan officers, brokers, wholesale AEs, and mortgage teams who need to present loan scenarios to borrowers professionally. Real estate investors also use the Fix & Flip and DSCR calculators for deal analysis.

### Can I use it for client meetings?
Absolutely. The presentation mode is designed specifically for client-facing meetings. It shows full-screen branded results with your logo and company info, perfect for screen sharing or in-person consultations.