mortgagemodeler 0.2.0

Flexible mortgage amortization and analytics tools in Python

MortgageModeler

MortgageModeler is a modular Python toolkit for modeling mortgage amortization, refinancing, FHA loans, and HELOCs — complete with CLI support and plotting.

MortgageModeler lets you simulate mortgage payments over time, compare fixed vs ARM loans, evaluate refinance and recast scenarios, and export visualizations or CSVs — all from Python or the command line.

Installation

Install from PyPI:

pip install mortgagemodeler

Quickstart

Using the Python API:

from mortgagemodeler import Loan

loan = Loan.from_fixed(principal=400000, rate=0.065, term_years=30)
loan.plot_amortization()

CLI Usage

Run amortization simulations via CLI:

mortgagemodeler simulate --principal 400000 --rate 6.5 --term 30

Use --help to see all available options.

Features

• Fixed-rate, ARM, FHA, and HELOC support
• Recast and refinance simulation logic
• Cost comparison based on exit year or refinance timing
• Monthly and annual amortization tables with CSV export
• Matplotlib-based amortization plots
• Python API and CLI tool (mortgagemodeler)
• Easily extendable for other loan types and policies

Example Notebooks

This repo includes ready-to-run Jupyter examples in the notebooks/ folder:

• Fixed_vs_ARM.ipynb: Compare fixed vs adjustable-rate loan paths
• FHA_vs_Conventional.ipynb: Analyze MIP vs PMI cost impact
• Refinance_Breakeven.ipynb: Estimate the optimal time to refinance

Launch directly in Binder:

License

MIT License © 2025 Arun Kumar