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Mortgage Calculator
A CALCULATOR TO SHOW IF CAN AFFORD A PARTICULAR HOME5a) Housing Affordability: Trying to decide if you can afford to purchase a given priced house or mortgage use this mortgage calculator. SHOULD PURCHASE NOW OR WAIT AWHILE6a) Calculators to decide to Purchase Now or Save First: Decide if you will be better off purchasing a home now with a small or no down payment, or renting and saving for a down payment first and purchasing later? Use this calculator. IF YOU'RE SHOPPING FOR MORTGAGE RATES TO FINANCE A HOME PURCHASE, THESE MORTGAGE CALCULATORS MAY HELP YOU WITH ... MORTGAGE CALCULATOR FOR WHAT THE PAYMENTS WILL BE7a) Calculator for Mortgage Payments on Fixed Rate Mortgages: Want to know the monthly mortgage payment on a fully amortizing mortgage at different loan amounts, interest rates and terms. Use this mortgage calculator. This mortgage calculators will work for a refinance or purchase. 7b) Mortgage Payments on Adjustable-Rate Mortgages Without Negative Amortization: Need to know how the interest rates and monthly payments may change on an adjustable rate mortgage that does not permit negative amortization use this calculator. 7c) Mortgage Payments on Adjustable-Rate Mortgages With Negative Amortization: Know how the interest rates and monthly payments may change on an adjustable rates mortgage that permits negative amortization use this calculator. 7d) Mortgage Payments With Temporary Buydowns: Borrowers who want an amortization schedule that shows the lower monthly payments in the early years from setting up a buydown account, and the amount that must be deposited in the account use these calculators. [ return to top ] MORTGAGE CALCULATORS TO SHOW THE LOAN WILL AMORTIZE8a) Loan Amortization Including Tax Savings: Need an amortization schedule that shows the tax savings on the interest they pay, for your tax bracket. This the calculator. 8b) Loan Amortization and Property Appreciation on Fixed Rate Mortgages: Know how long it will take for amortization on fixed rates combined with property value appreciation to reduce the ratio of loan balance to property value to some desired level. CALCULATOR TO SHOW THE INTEREST COSTS OF DIFFERENT MORTGAGES COMPARE9a) Interest Cost on a No-Negative Amortization ARM and a Fixed Rates Mortgage: Borrowers trying to decide whether they should select adjustable rates mortgage (ARM) without negative amortization or a fixed rates mortgage (FRM) based on the lowest after-tax interest cost. 9b) Interest Cost on a Negative Amortization ARM and a Fixed Rate Mortgage: Decide whether they should select an adjustable rates mortgage (ARM) with negative amortization or a fixed rates mortgage (FRM) based on the lowest after tax interest cost. 9c) Calculators to Comparing Two Fixed Rate Mortgages: Are you trying to decide which of two fixed rates they should select based on the lowest after tax interest cost. Use this calculator. This is great or purchase or refinance. [ return to top ] HOW MUCH LENDERS ARE CHARGING IN FEES CALCULATORS10a) Estimating Lender Fees From the APR on Fixed Rate Mortgages: Want to know the fees charged by a lender, in addition to the rates and points quoted in the media. Purchase or refinance. HOW MANY POINTS TO PAY11a) The Costs and Benefits of Paying Points on Fixed Rate Mortgages: Borrowers who want to know whether they will save or lose money over a specified period by paying points in order to reduce the interest rates on an FRM. 11b) The Costs and Benefits of Paying Points on Adjustable Rate Mortgages: Borrowers who want to know whether they will save or lose money over a specified period by paying points in order to reduce the interest rates on an ARM.. 11c) Rates of Return From Investing in Points on Fixed Rate Mortgages: Want to know whether paying higher points to get lower interest rates on an FRM is a good investment. Use this calculator. 11d) Rates of Return From Investing in Points on Adjustable Rate Mortgages: For borrowers who want to know whether paying higher points to get lower interest rates on an ARM is a good investment. [ return to top ] HOW LARGE A DOWN PAYMENT TO MAKE ON A PURCHASE12a) Rates of Return From Investing in a Larger Down Payment: If you have enough cash to make a down payment in excess of the minimum required on a particular loan, who want to know whether using the cash to increase the down payment is a good investment. [ return to top ] WHETHER TWO MORTGAGES ARE LESS COSTLY THAN ONE?13a) Two Mortgages Versus One Larger Mortgage: Trying to decide whether they should take a second mortgage, either to avoid mortgage insurance or to avoid the higher interest rates on a jumbo as opposed to a conforming loan amount. WHETHER TO PAY FOR MORTGAGE INSURANCE14a) Pay for Mortgage Insurance or Pay a Higher Interest Rates: Trying to decide whether they should elect to pay mortgage insurance on a fixed rate mortgage, or avoid mortgage insurance by paying a higher interest rate. [ return to top ]
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