Mortgage Maniac OS | Chicago Mortgage Rates, FHA Loans & Homebuyer Tools

THE FUTURE OF FREE MORTGAGE INTELLIGENCE

YOUR MORTGAGE.
YOUR MONEY.
YOUR ADVANTAGE.

The mortgage market is complicated. Understanding it shouldn't be. Explore free financial tools, compare mortgage offers, investigate Chicagoland housing costs, and make better-informed decisions before you borrow.

FIND MY NEXT MOVE → TALK TO DAVID BRAUN
FREE MORTGAGE EDUCATION CHICAGOLAND + NATIONWIDE RESEARCH EXPERIENCE SINCE 1997
MORTGAGE DECISION FINDER

Tell Us Your Goal. Find Your Starting Point.

No complicated menus. No subscription. Select what matters most to you and we'll connect you with the right existing Mortgage Maniac OS resource.

Your Mortgage Journey Starts Here.

Choose one of the options above to see the most useful next step for your situation.

EXPLORE FREE RESOURCES →
INTELLIGENCE TOOLS

Powerful Resources. Practical Answers.

Go beyond mortgage headlines with research, financial analysis and educational tools already available on Mortgage Maniac OS.

01

Mortgage Financial X-Ray

Compare actual loan offers using entered rates, lender fees, discount points and financing costs. Find out which assumptions affect your results.

COMPARE LOAN OFFERS →
02

Mortgage Intelligence Resource Hub

Explore homebuyer education, mortgage rates, FHA financing, down payments, affordability and financial decision-making tools.

EXPLORE THE RESOURCE HUB →
03

Free Mortgage Consultation

Facing a major financing decision? Connect with David Braun for an initial educational conversation about your situation.

CONNECT WITH DAVID →
LOCAL MARKET INTELLIGENCE

Chicago Is Not One Housing Market.

Property taxes, insurance, association costs, housing inventory and financing needs can differ significantly across Chicagoland. Select a community to see the ownership issues worth investigating before purchasing.

Select a Community

Choose a town above to see a short location-specific buyer research checklist.

DISCUSS MY LOCAL MARKET →
THE MORTGAGE MANIAC DIFFERENCE

Information Is Everywhere. Clarity Is the Advantage.

Mortgage Maniac OS is built around three essential steps to a better-informed mortgage decision.

01

Understand

Learn what goes into your mortgage payment, loan eligibility, cash to close and long-term ownership expenses.

02

Compare

Examine loan terms, points, fees, financing structures and hypothetical scenarios before making a financial commitment.

03

Connect

When you need individual guidance, connect with a mortgage professional who can discuss your specific goals and questions.

MEET THE FOUNDER

David Braun

Mortgage Loan Officer
Regional Mortgage Corporation
Individual NMLS #303007

With mortgage industry experience dating back to 1997, David Braun created Mortgage Maniac OS to help consumers better understand home financing.

Free mortgage knowledge, practical research, transparent educational tools and access to experienced guidance.

SPEAK WITH DAVID →
YOUR HOME. YOUR FUTURE. MY COMMITMENT. Mortgage experience since 1997
Chicagoland mortgage focus
Free educational research and tools
Mortgage consultations by request
FREQUENTLY ASKED QUESTIONS

Mortgage Questions. Clear Starting Points.

Is Mortgage Maniac OS free?

Yes. The educational content and tools linked from this homepage are free to explore. Mortgage financing itself may involve lender fees and other transaction expenses.

Can I compare two mortgage lenders?

Yes. Use the Mortgage Loan Intelligence Engine to compare hypothetical or quoted mortgage terms, fees and modeled borrowing costs.

Does Mortgage Maniac OS approve mortgages?

No. Mortgage Maniac OS is an educational platform. Actual financing eligibility, approval and loan terms must be determined through a lender's application and underwriting process.

How can I get mortgage guidance from David Braun?

Visit the free mortgage consultation page to request a conversation or contact David at 312-656-0220. Requests and appointments are subject to availability.

YOUR NEXT MOVE STARTS HERE

Before You Sign a Mortgage,
Understand the Decision.

From homebuying to refinancing, one conversation can help you identify important questions and next steps.

REQUEST MY FREE CONSULTATION CALL 312-656-0220
Mortgage Maniac OS | Free Mortgage Intelligence

David Braun | Mortgage Loan Officer | Regional Mortgage Corporation | Individual NMLS #303007 | Equal Housing Opportunity.

Educational content only. Information does not constitute a mortgage quote, preapproval, loan approval, offer of credit, financial recommendation or commitment to lend. Rates, fees, program availability, mortgage insurance and eligibility depend on individual circumstances and applicable lender guidelines. Mortgage consultations are subject to availability. Verify licensing through NMLS Consumer Access.

Chicago Mortgage Payment Calculator 2026 | True Cost of Homeownership | Mortgage Maniac OS

MORTGAGE MANIAC OS | CHICAGO HOMEOWNERSHIP INTELLIGENCE

Chicago Mortgage Payment Calculator
The True Cost of Homeownership

Estimate your monthly mortgage payment including principal, interest, property taxes, homeowners insurance, mortgage insurance and HOA fees. Designed for Chicago and Chicagoland homebuyers.

Customize Your Mortgage Scenario

Editable example rate, not a live quote.
Down payment amount: $40,000
Enter your estimated annual taxes.
Simplified conventional PMI assumption; automatically excluded at 20% down.
ESTIMATED TOTAL MONTHLY PAYMENT
$3,729
Per Month | Estimated PITI + PMI + HOA
Loan Amount: $360,000
Down Payment: $40,000

Where Your Monthly Payment Goes

Principal & Interest
$0
Property Taxes
$0
Homeowners Insurance
$0
Estimated PMI
$0
HOA Fees
$0
NEW | AI MORTGAGE EDUCATION

Have Questions About Your Payment?

Explore mortgage questions with our free Mortgage Maniac OS AI chatbot, available 24/7.

✨ CHAT WITH MORTGAGEOS AI

AI information is educational and may contain errors. It is not a loan quote, approval or personalized financial advice.

What Is the True Cost of a Chicago Home?

The mortgage principal and interest payment is only part of the overall cost of homeownership.

Chicago and Cook County homebuyers should consider property taxes, homeowners insurance, mortgage insurance when applicable, condominium assessments and ongoing maintenance expenses.

Tax amounts can vary substantially by location, assessed value, exemptions and taxing district. Use property-specific information whenever available.

Frequently Asked Questions

Does this calculator include taxes?

Yes. Enter the estimated annual property tax amount, and the calculator divides it into 12 monthly installments.

Does it calculate mortgage insurance?

The calculator provides a simplified PMI estimate when the down payment is under 20%. Actual PMI requirements, rates and cancellation rules vary. FHA and other loan programs may have different insurance structures.

Does this provide a mortgage approval?

No. It estimates a payment only. A licensed lender must evaluate credit, income, assets, liabilities and applicable underwriting requirements.

Are the interest rates live?

No. The rate is editable so visitors can compare different scenarios. It is not an advertised or guaranteed lender quote.

DAVID BRAUN

Mortgage Maniac OS
Chicago Mortgage Education
Mortgage Experience Since 1997
NMLS #303007

Your Home. Your Future. My Commitment.

EXPLORE MORTGAGE MANIAC OS

This calculator is for educational purposes only. The estimates do not include every potential cost of homeownership, such as utilities, maintenance, special assessments, closing costs or prepaid expenses. PMI assumptions are simplified and may not reflect actual lender requirements. The calculator does not determine loan eligibility, affordability approval or actual offered interest rates.

Subscribe to: Posts (Atom)