Mortgage Maniac OS | Chicago Mortgage Intelligence

MORTGAGE MANIAC OS
Chicago Mortgage Market Intelligence

Chicago Mortgage Intelligence. Free for Everyone.

Explore Chicago mortgage rates, Federal Reserve updates, housing market forecasts, FHA loans, conventional financing, refinancing, and first-time homebuyer education with David Braun.

Nearly 30 years of mortgage industry experience, explained in plain English. No paid blog subscription required.

Mortgage Experience Since 1997
Free Mortgage Education
Chicago & Chicagoland
NMLS #303007
Explore Chicago Mortgage Rates Explore MortgageOS Tools
David Braun | Mortgage Maniac OS | Chicago Mortgage Education | NMLS #303007
Build Your Mortgage Plan Before You Apply.

David Braun MortgageOS™ Homebuyer Offer Lab | Analyze Any Chicagoland Home

David Braun MortgageOS™

Found a House? Run the Numbers Before You Write the Offer.

Compare the payment, cash needed, seller credit, price reduction, mortgage rate strategy, cost of waiting and even two different homes — all in one interactive Chicagoland homebuyer workspace.

Analyze a Home Call David: 312-656-0220

This Is More Than a Mortgage Calculator

Most mortgage calculators answer one question: "What is the payment?"

MortgageOS™ is designed to help you explore a bigger question: "How could different offer and financing assumptions change the numbers before I commit to a home?"

1. Homebuyer Offer Lab

Enter the property and financing assumptions you want to explore.

Base Purchase Scenario

$0/mo
Estimated monthly housing payment before mortgage insurance, if applicable.
Estimated Loan $0
Principal & Interest $0
Estimated Cash Needed $0

Strategy A: Lower Price

$0/mo
Uses the full entered seller negotiation amount as a price reduction.
New Purchase Price $0
Monthly Difference $0
Estimated Cash Needed $0

Strategy B: Seller Credit

$0
Simplified estimate of remaining cash after applying eligible credit toward entered closing costs.
Seller Credit Entered $0
Estimated Credit Used $0
Estimated Cash Preserved $0

Strategy C: Rate Buydown Comparison

$0/mo
Compares your base rate with the alternate rate entered above.
Monthly Difference $0
Entered Buydown Cost $0
Simple Break-Even N/A

Strategy D: 50/50 Hybrid

$0/mo
Splits the entered negotiation amount equally between a price reduction and an estimated seller credit.
Price Reduction $0
Estimated Credit $0
Estimated Cash Needed $0

MortgageOS Offer Snapshot

Base Payment
$0
Price Reduction Difference
$0
Seller Credit Impact
$0
Rate Comparison Difference
$0

2. What If I Wait?

You choose the assumptions. MortgageOS does not predict where home prices or mortgage rates will go.

Buy Using Today's Entered Assumptions

$0/mo
Home Price $0
Rate Entered 0%

Wait Scenario

$0/mo
Future Price Assumption $0
Future Rate Assumption 0%
Rent Paid During Wait $0
Additional Savings $0
Why this tool is different: It does not tell you whether to buy now or wait. It lets you change the assumptions yourself so you can see how different market scenarios could affect the numbers.

3. Payment Shock Test

See how your entered payment changes under higher tax, insurance or HOA assumptions.

Current Estimated Payment

$0/mo

Stress-Tested Payment

$0/mo
Monthly Increase Tested $0

4. Compare Two Chicagoland Homes

A lower purchase price does not always mean a lower monthly housing cost. Compare two properties side by side.

House A




$0/mo
Estimated Loan $0
Estimated Cash Needed $0
Simple 5-Year Outlay $0

House B




$0/mo
Estimated Loan $0
Estimated Cash Needed $0
Simple 5-Year Outlay $0
Monthly Housing-Cost Difference: $0

This is a numerical comparison only. It does not consider property condition, appreciation, maintenance, neighborhood preferences, school districts, commuting costs or other non-mortgage considerations.

5. Save Your MortgageOS Analysis

Found a property you are seriously considering? Save this analysis, share the numbers with your real estate agent, or call before you write the offer.

Call David Before the Offer
Before You Write the Offer

Run the Numbers. Then Let's Talk.

If you are considering a home in Chicago or the surrounding suburbs, I can help you review the mortgage numbers, estimated payment, cash requirements and available loan options before you finalize an offer.

I began working in the mortgage industry in 1997. My goal is to help you understand the financing before you make one of the largest financial decisions of your life.

Call 312-656-0220 Text David
QR code to call David Braun at 312-656-0220 Scan to Call David
312-656-0220

MortgageOS Frequently Asked Questions

Does MortgageOS tell me which house I should buy?

No. The tool compares the financial assumptions you enter. The final decision should also consider your goals, property condition, location and other personal factors.

Does the seller-credit calculator guarantee that I can receive that amount?

No. Seller contributions are subject to mortgage-program, transaction, occupancy, lender and underwriting rules. The calculator is a simplified educational comparison.

Does MortgageOS predict future mortgage rates or home prices?

No. The cost-of-waiting tool uses assumptions entered by you so you can explore different possible scenarios.

Why compare two homes by monthly payment?

Property taxes, homeowners insurance and HOA costs can differ considerably from one property to another. Comparing the complete estimated monthly housing cost can provide more context than purchase price alone.

Can I save my MortgageOS analysis?

Yes. Use the Print / Save as PDF button or copy the summary to your device.

MortgageOS Educational Disclosure: David Braun MortgageOS™ is an educational planning tool. Calculations are estimates based solely on information entered by the user and are not a Loan Estimate, mortgage approval, commitment to lend, interest-rate quote, financial advice or guarantee of loan terms.

Actual mortgage rates, APRs, discount points, loan amounts, mortgage insurance, property taxes, homeowners insurance, flood insurance, HOA expenses, closing costs, seller contributions and underwriting requirements may differ.

Seller contributions are subject to applicable mortgage-program and transaction limits. The seller-credit calculations shown here do not determine eligibility.

The cost-of-waiting section does not forecast future mortgage rates, property values or housing-market conditions. All future assumptions are entered by the user.

The simple 5-year comparison multiplies the entered estimated monthly housing payment by 60 and adds the estimated initial cash requirement. It does not account for changing taxes or insurance, maintenance, repairs, appreciation, principal reduction, opportunity cost, tax treatment, selling expenses or other ownership costs.

David Braun | Mortgage Loan Officer | NMLS #303007
Regional Mortgage Corporation
Chicagoland, Illinois
Call or Text: 312-656-0220
DavidBraunMLO.com

Equal Housing Opportunity.

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