About The Mortgage Calculator
The Mortgage Calculator is a licensed Mortgage Lender (NMLS #2377459) that specializes in using technology to enable borrowers to access Conventional, FHA, VA, and USDA Programs, as well as thousands of Non-QM mortgage loan program variations using alternative income documentation!
Using The Mortgage Calculator proprietary technology, borrowers can instantly price and quote thousands of mortgage loan programs in just a few clicks. The Mortgage Calculator technology also enables borrowers to instantly complete a full loan application and upload documents to our AI powered software to get qualified in just minutes!
Our team of over 450 licensed Mortgage Loan Originators can assist our customers with Conventional, FHA, VA and USDA mortgages as well as access thousands of mortgage programs using Alternative Income Documentation such as Bank Statement Mortgages, P&L Mortgages, Asset Based Mortgage Programs, No Ratio CDFI Loan Programs, DSCR Investor Mortgages, Commercial Mortgages, Fix and Flip Mortgages and thousands more!
Our Mortgage Loan Originators are trained to be loan consultants to guide borrowers throughout the entire loan process. A licensed Loan Officer is only a phone call or zoom meeting away and always available to assist borrowers throughout the loan application process all the way to closing. To apply for a mortgage please visit our Quick Mortgage Quote Page!
How The Mortgage Calculator Was Created
The founding story of The Mortgage Calculator is a remarkable narrative of innovation, adaptability, and strategic foresight in the realm of mortgage lending.
In 2019, Nicholas Hiersche built upon a foundation of advertising and marketing expertise dating back to his first corporation in 2004 to create a groundbreaking lead generation model for the mortgage industry. With extensive experience in leveraging internet and technology for scalable lead generation, Nicholas had also operated an advertising agency that provided consultative services across various industries, notably aiding real estate agents and mortgage loan officers.
What began as a marketing plan for an FDIC bank soon evolved into a dedicated team running a high-volume mortgage lead generation campaign. This initiative marked the inception of The Mortgage Calculator, originally envisioned as a team within the bank.
Recognizing the limitations of the FDIC bank model—especially as the COVID-19 pandemic rapidly increased demand—Nicholas transitioned operations to the nation’s largest mortgage broker. The team grew to over 400 licensed mortgage brokers before recognizing further limitations of the broker model, particularly regarding Non-QM lending.
In response, the company transitioned to a Non-Delegated Lender model, a pivotal shift that enabled rapid growth to over 400 loan officers.
The final transformation came in 2022, when The Mortgage Calculator officially became a Licensed Mortgage Lender, fully embracing a Non-Delegated Correspondent model. This step allowed the company to optimize its unique business approach—unshackled by previous limitations—and bring its innovative model directly to borrowers and investors.
The story of The Mortgage Calculator is one of strategic thinking, adaptability, and technological innovation. From its beginnings as a small team within an FDIC bank to becoming a leading licensed mortgage lender, the company continues to revolutionize the mortgage industry through cutting-edge technology, real-time pricing, and advanced lead generation systems.
Every day, The Mortgage Calculator strives to provide clients with unique solutions, easy-to-use technology, and exceptional customer service.
The Mortgage Calculator was created in 2019 as a software The Mortgage Calculator is a licensed Mortgage Lender (NMLS #2377459) that specializes in using technology to enable borrowers to access Conventional, FHA, VA, and USDA Programs, as well as thousands of Non-QM mortgage loan program options using alternative income documentation!
Using The Mortgage Calculator proprietary technology, borrowers can instantly price and quote thousands of mortgage loan programs in just a few clicks. The Mortgage Calculator technology also enables borrowers to instantly complete a full loan application and upload documents to our AI powered software to get qualified in just minutes!
Our team of over 450 licensed Mortgage Loan Originators can assist our customers with Conventional, FHA, VA and USDA mortgages as well as access thousands of mortgage programs using Alternative Income Documentation such as Bank Statement Mortgages, P&L Mortgages, Asset Based Mortgage Programs, No Ratio CDFI Loan Programs, DSCR Investor Mortgages, Commercial Mortgages, Fix and Flip Mortgages and thousands more!
The Mortgage Calculator in the News: Key Highlights and Innovations
Frequently Asked Questions