Rent or buy — which wins for you?
There's no universal answer, only yours. The biggest lever isn't the interest rate — it's how long you'll stay. Enter a few numbers and see the real monthly cost of each, plus the point where buying pulls ahead.
This is an estimate. For your true payment, rate, and program — and how buying fits your bigger picture — send your info and Marcelo Bayon, a licensed loan officer, will follow up. No pressure, no credit pull.
Submitting sends your details to Marcelo Bayon, NMLS #1851997. Not a loan application, preapproval, or credit decision; no credit is pulled. Equal Housing Opportunity.
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Questions people ask
Why does how long I stay matter so much?
Buying front-loads big costs — down payment, closing, and the first years of a mortgage that are mostly interest. Time is what lets equity and appreciation catch up and pass those costs.
What isn't included here?
To stay honest and simple, this leaves out tax deductions, PMI, HOA dues, and the return you'd earn investing your down payment if you rented. Those can shift the answer — which a pro can model for you.