mortgagemodeler 0.3.0

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, LoanAmortizer

loan = Loan(principal=400000, rate=0.0625, term_months=360, origination_date="2023-01-01")
amortizer = LoanAmortizer(loan)
amortizer.plot()

CLI Usage

Run amortization calculations and models via CLI:

mortgagemodeler amortize --balance 400000 --rate 6.25 --term 360 --type arm \
  --index SOFR --margin 2.75 --arm-structure 5 6 --caps 2 1 5 --floors 0 0 0 \
  --start-date 2023-01-01 --extra-payment 100 --show-apr --plot

mortgagemodeler amortize --help

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
• Compare APRs including discount points and fees
• Monthly and annual amortization tables with CSV export
• CSV export, JSON output, and matplotlib visualizations
• Matplotlib-based amortization plots
• Python API and CLI tool for scripting and terminal workflows (mortgagemodeler)
• Easily extendable for other loan types and policies

Example Notebooks

Check github repowhich includes ready-to-run Jupyter examples in the examples/ 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