Know where your mortgage stands.
Upload your latest mortgage statement or enter the details yourself. Kaiu will review the important factors, calculate your Kaiu Mortgage Score™, and explain what may be worth your attention.
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Your Kaiu Mortgage Score
STRONG POSITION
This score evaluates your current mortgage using the information available to Kaiu. It is not a credit score and does not measure creditworthiness, approval odds, or lender eligibility.
What makes up your score
3 of 5 categories scoredRate Position
Verified current market comparison is unavailable.
NEEDS MORE INFORMATION
Mortgage Structure
Based on your mortgage type, term, payment, and remaining amortization.
82 / 100
Equity Position
Based on your estimated home value, mortgage balance, and loan-to-value.
88 / 100
Renewal Position
Based on approximately 14 months remaining until renewal.
86 / 100
Flexibility
Tell us about prepayment privileges to evaluate this category.
NEEDS MORE INFORMATION
How your Kaiu Mortgage Score works
The score combines rate position, mortgage structure, equity position, renewal position, and flexibility. Categories without enough information are left unscored, and the total is calculated only from the available categories using adjustable category weights.
Why you received this score
- You have approximately 40% estimated equity in your home.
- Your remaining amortization is 22 years.
- Your renewal is approximately 14 months away.
Estimated home equity
$272,500
Loan-to-value
60.2%
Months to renewal
14
Recalculated payment
$2,680
If your rate changed at renewal
Rate -1%
$2,453
Rate +1%
$2,917
Rate +2%
$3,163
Estimated monthly payment at your current balance and remaining amortization if your rate shifted at renewal.
What looks good
- You have approximately $272,500 in estimated home equity.
- Your loan-to-value is about 60.2%, which provides a useful equity cushion.
What to watch
- Your renewal is about 14 months away, which gives you time to plan ahead.
- It’s worth confirming your prepayment privileges directly with your lender or on your mortgage documents.
- Your stated payment differs from a recalculated estimate by about $40. This can happen if property tax or insurance is bundled into your payment, or your amortization differs from what was entered here.
Potential opportunities
- No meaningful opportunity identified from the information provided.
Kaiu recommendation
KEEP AN EYE ON IT
Your mortgage looks reasonable, but a few things are worth monitoring as your renewal approaches.
Questions worth asking your lender
- What would my penalty be if I broke my mortgage before renewal?
- Do I have prepayment privileges, and how much can I prepay per year without penalty?
- What rate and terms are available if I renew now versus closer to my renewal date?
This review is educational and estimate-only. It is not financial, legal, or tax advice, and it is not a mortgage offer or approval.