How to Use the Mortgage Optimizer Tool Enter Monthly Payment Amounts➤ Type one or more monthly amounts you’d consider paying.➤ Separate them with commas. Example: 800, 900, 1000 Enter Annual Interest Rate➤ Type the yearly interest rate of the loan. Example: 4.5 Set Maximum Term (in Years)➤ Type the longest loan duration you’d accept. Example: 30 Choose an Optimization Goal➤ Maximum Capital: Find the highest loan amount possible.➤ Highest Capital with Lowest Interest: Find the highest loan amount possible, but with the least total interest paid. Click “Calculate & Compare”➤ The tool will show you a detailed table for each monthly payment, highlighting the best term.