A Loan Designed for Your Lifestyle.


You’re ready to move up, you have investments in mind.
Don’t let your mortgage stop you.

A smarter way to finance your home enables you to diversify your investment portfolio and save money on your mortgage.


  • Reduce the cost of property ownership

  • Access home equity

  • Pay off your home faster.

  • With less money going toward interest,

    every monthly payment reduces the overall

    balance, faster.

  • When payments are applied to the principal first, interest is calculated on a lower loan balance.

  • It works like a checking account, withdraw money whenever its needed.

  • Free up income for other investments.

  • Reinvest in your home, a second home, the stock market, and more.

See if it makes sense to get this loan by working through the

All In On Calculator Below...

Mortgage Calculator

Refinance Calculator-Should I refinance?

Calculates the total cost and savings of your refinance transaction.

Extra Payment Calculator-How long will my mortgage last if I pay more every month?

Calculates how long your mortgage will last if you make monthly payments that are larger than your monthly principal plus interest.

How Much Home Can I Afford?-How much home can I afford?

Calculates how much home you can afford based on your monthly income, debt and other factors such as down payment and lending ratios.

Principal Reduction CalculatorHow much will my principal be?

Calculates how much your principal balance will be after certain number of years of payment.

Tax Benefits Of Buying-What are the tax benefits of buying?

Estimates how much money you will save in taxes when you buy a home.

What's My APR?

Interest Only Calculator

Should I Pay Points?

How Much Income To Qualify?

Rent vs. Buy Calculator

Calculates if you are better off buying a home, or if you should continue to rent.

Standard vs. Bi-weekly

Calculates your savings in interest paid as well as length of your loan if you were to make bi-weekly payments as opposed to monthly payments.

Amortization Calculator

Calculates your mortgage payment amortization.

What is the APR for my ARM?

Calculates the APR of your ARM loan.

How much will my payments be (ARM loan)?

Calculates the payment of an ARM loan.

Which loan is better?

Compares two loans side by side (total amount paid per loan including all costs)..


Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

About Us

We've been helping customers afford the home of their dreams for many years and we love what we do.

Licensed in:

California NMLS# 02066654 | 60DBO-154093

Georgia & Texas NMLS#1767407

Florida NMLS#MBR5826

Contact Us

Main Office

3242 E. Coast Highway

Corona Del Mar, CA 92625



Spot On Lending (“Inc.”), is an Equal Housing Opportunity Lender.

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