West Capital Lending, Inc. NMLS 1566096
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Mortgage Savings & Debt Consolidation Analysis

Put the current mortgage, monthly housing costs, individual consumer liabilities and a proposed loan into one side-by-side comparison—then generate a client-ready PDF showing payment impact, modeled cash to client and long-term scenarios.

Built for real scenarios.Mortgage · Debt · Cash · PDF
ACurrent Mortgage
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Remaining term
BProposed Mortgage
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%
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C Consumer Debts & Liabilities

Consumer Debts

Import liabilities from copied text or a screenshot, then review the generated rows before creating the client PDF.

AI Debt Import

Paste it. Upload it. Let the calculator build the rows.

Copy a debt list, paste a screenshot, or upload an image. The importer looks for creditor or account name, the account type/subcategory when shown, balance, rate and monthly payment.

AI ASSISTED
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Upload or paste screenshot PNG, JPG or WEBP · crop to debt rows only
Review imported values before generating the PDF.
Privacy + review. Crop out names, SSNs, dates of birth and full account numbers before uploading. Images are re-encoded in your browser to strip embedded metadata before transmission. AI/OCR can misread a number, so review every imported value before generating the PDF.
or enter / adjust manually
CreditorBalancePaymentPay off?
Imported debt details remain available to the PDF calculations while the on-screen rows stay streamlined.
Private Client Analysis

Your mortgage analysis is ready.

Review the modeled monthly impact below, then download the complete analysis for liabilities, payoff scenarios and the full side-by-side comparison.

Monthly savings — — annualized
Full client analysis Download your complete report

Open the detailed mortgage and debt consolidation analysis prepared for you.

Current monthly—
Proposed monthly—
Questions? Call Anthony · 949-744-6522
All comparison results are shown in the generated client PDF. Cash-to-client estimates use a fixed $10,000 cost allowance.
How to read the result

Lower payment is one output. Structure is the decision.

The comparison separates monthly cash flow from the amount of debt being moved, the term of the proposed mortgage and what happens if the monthly difference is redirected toward principal or retained as cash.

Review a Scenario →See All Tools
Client-ready PDFDesigned to explain the before-and-after clearly.

The report includes current vs. proposed monthly obligations, individual liabilities, modeled cash to client when positive, accelerated payoff, interest-cost equivalent and 5/10/15-year cash-savings illustrations.