MortgageRiskCalculator.com
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Use these guides to understand mortgage risk like a system: runway, breakpoints, and the scenarios that actually cause trouble (income shocks, rate moves, escrow changes, repairs).

Mortgage Risk Guides

These pages are designed to be simple, practical, and skimmable—without dumbing anything down. Start with the affordability guide, then branch into the scenario that fits your worry.

Can I Really Afford My Mortgage?
Start here
Learn the 3 numbers that predict survival: runway, payment pressure, and breakpoints. Then run your first stress test.
Best for: new buyers • anxious owners • “am I safe?”
What If Rates Rise?
Rate risk
Simulate rate hikes and find the exact point your budget flips negative. Includes breakpoint strategy.
Best for: ARM holders • refi planners • thin margins
Payment Shock
Escrow + spikes
Model escrow increases, catch-up payments, and monthly expense spikes. Learn why “approved” can still be fragile.
Best for: tax/insurance jumps • surprise increases
Emergency Fund for Homeowners
Runway
Size your emergency fund with a two-bucket approach: runway + repair buffer. Avoid the “one repair wipes me out” trap.
Best for: cash buffer planning • repair risk

Advanced Mortgage Guides

These deeper guides explore common decision points and failure modes that traditional calculators ignore.

How Much House Can I Afford?
Reality check
Go beyond bank formulas. Learn what “affordable” really means under stress, not just on approval day.
Buyers • first-time homeowners
Rent vs Buy Stress Test
Decision
Compare renting and buying using runway, flexibility, and downside risk—not just monthly payment.
Movers • market uncertainty
ARM vs Fixed: Risk Explained
Rate risk
Understand when adjustable-rate mortgages make sense—and when they quietly destroy margin.
ARM holders • refinance planners
If I Lose My Job, What Happens?
Survival
Walk through what actually happens to your mortgage during job loss—and how long savings buys time.
Income risk • recession prep

Want the fastest path? Start with the affordability guide, then run a stress scenario in the tool.