Value My Mortgage
Calculate your mortgage's market value instantly for free
Value My Mortgage Overview
Value My Mortgage is a free online tool designed to help homeowners and potential homebuyers understand the current market value of their mortgage. By calculating the mark-to-market value of a below-market-rate mortgage, this tool provides users with financial insights that can aid in refinancing decisions, home sales, or investment planning. The tool is particularly useful for individuals with fixed-rate mortgages who want to quantify the financial advantage of their current loan terms compared to prevailing market rates. With just three simple inputs, users can instantly see the dollar value of their mortgage, making it accessible to a broad audience without requiring financial expertise.
Value My Mortgage Screenshot
Value My Mortgage Official screenshot of the tool interface
Value My Mortgage Core Features
Instant Mortgage Valuation
Get the current market value of your mortgage in seconds by simply entering three key details: origination date, original principal amount, and fixed interest rate. No registration or personal information required.
Market Rate Comparison
Automatically compares your mortgage rate with current market rates (e.g., 6.50% as of September 2025) to determine your potential savings or premium value.
User-Friendly Interface
Simple, intuitive design allows anyone to calculate their mortgage value without financial knowledge. The clean layout focuses on essential inputs and clear results.
No Cost Access
Completely free to use with no hidden fees or subscription requirements. Get accurate mortgage valuations without any financial commitment.
Value My Mortgage Use Cases
Refinancing Decision Making
Homeowners can evaluate whether refinancing makes financial sense by comparing their current mortgage's value against potential new loan terms.
Home Sale Preparation
Sellers can determine if their below-market mortgage adds value to their property that might justify a higher asking price or faster sale.
Financial Planning
Individuals can incorporate their mortgage's market value into their overall net worth calculations and long-term financial planning.
How to Use Value My Mortgage
Visit the Value My Mortgage website at valuemymortgage.com
Enter your mortgage's origination date (when you took out the loan)
Input your original principal amount (the initial loan balance)
Provide your fixed interest rate percentage
Click 'Calculate Market Value' to instantly see your mortgage's current worth