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EARLY MORTGAGE PAYOFF CALCULATOR: REPAY YOUR HOME LOANMORTGAGE VS HOME EQUITY LOANGOAL MORTGAGE BIRMINGHAM ALMORTGAGE GOALS TEMPLATE Use the above calculator to enter your current remaining balance, rate, and monthly principal and interest payment. Then, enter your loan pay off goal in years. For example, instead of the current 28 years, you want to pay your mortgage in 20 years. The calculator will ARM MORTGAGE CALCULATOR: ESTIMATE PAYMENTS ON 3/1, 5/1, 7 Let’s presume your house is valued at $320,000 and you took a 5/1 ARM. To eliminate private mortgage insurance, you made a 20% down payment worth $64,000. The introductory rate is 3.2% APR, with an expected initial adjustment rate of 2%, and a subsequent adjustment rate of 0.25%. Your lifetime adjustment cap is 8%. BI-WEEKLY MORTGAGE AMORTIZATION CALCULATOR WITH EXTRA PAYMENTS In this example, adding $50 to your bi-weekly payments reduces your interest cost to $119,177, saving you $41,128 in total interest charges. It also pays your loan early by 24 years and 6 months. Meanwhile, if you increase your extra bi-weekly payment by $150, your total interest charges will decrease to $105,110. BEST 15 YEAR MORTGAGE REFINANCE RATES: COMPARE 15 YR FRM Furthermore, compared to a 30-year FRM, you save tens and thousands on interest charges with a 15-year FRM. 15-year FRMs also come with lower rates by around 0.25% to 1% than 30-year FRMs. As of January 10, 2021, the average mortgage rate for a 30-year FRM is 2.65% APR, while the average interest rate for a 15-year FRM is 2.16% APR. DISCOUNT POINTS BREAK EVEN CALCULATOR: HOME MORTGAGE Break-even point (BEP) = $ Cost of points / $ Amount in monthly savings. Using our previous example above, let’s see how long it will take to break-even on your investment. In the example, each point would cost $2,000 (because 1% of 200,000 is equal to 2,000). To purchase 2 points, this would cost $4,000. USDA RURAL DEVELOPMENT HOME LOANS CALCULATOR: USDA The last time these fees were updated were in September 1, 2016. After this announcement, the USDA reduced the upfront guarantee fee from 2.75% to 1%. They also reduced the annual guarantee fee from 0.5% to 0.35%. For example, if your loan amount is $250,000, your upfront guarantee fee will be $2,500. MORTGAGE CALCULATORSPAY EXTRA EXTRA PAYMENTSQUALIFICATION REQUIRED INCOMEPAYMENTS MONTHLY PAYMENTS Current Redmond mortgage rates are displayed at the bottom of this page. By default 30-year fixed-rate mortgages are displayed. The table offers interactive features which allow homebuyers to compare different loan terms, down payment amounts, fixed vs adjustable rates, purchase vs refinance loans, property use type, military status, home type, discount points and many other features. SIMPLE MORTGAGE CALCULATOR: FREE EASY-TO-USE ONLINE BASIC 30-year Fixed-rate Home Loan Summary; $1,271.44 Monthly Payment: $260,000.00 Loan Amount: 30 Years Term of Loan: 4.20% Interest Rate: $457,720.07 Total of 360 Monthly Payments MORTGAGE MINIMUM INCOME REQUIREMENTS CALCULATOR: HOME LOAN Before applying for a mortgage, you can use our calculator above. This provides a ballpark estimate of the required minimum income to afford a home. To understand how this works, let’s take the example below. Suppose the house you’re buying is priced at $325,000. EXTRA MORTGAGE PAYMENT CALCULATOR The first one makes extra payments at the start of the term, while the second one starts making extra payments by the sixth year. We used the calculator on top the determine the results. 30-Year Fixed Mortgage. Principal Loan Amount: $288,000. Rate (APR): 3.5%. Extra Payment: $100per month.
EARLY MORTGAGE PAYOFF CALCULATOR: REPAY YOUR HOME LOANMORTGAGE VS HOME EQUITY LOANGOAL MORTGAGE BIRMINGHAM ALMORTGAGE GOALS TEMPLATE Use the above calculator to enter your current remaining balance, rate, and monthly principal and interest payment. Then, enter your loan pay off goal in years. For example, instead of the current 28 years, you want to pay your mortgage in 20 years. The calculator will ARM MORTGAGE CALCULATOR: ESTIMATE PAYMENTS ON 3/1, 5/1, 7 Let’s presume your house is valued at $320,000 and you took a 5/1 ARM. To eliminate private mortgage insurance, you made a 20% down payment worth $64,000. The introductory rate is 3.2% APR, with an expected initial adjustment rate of 2%, and a subsequent adjustment rate of 0.25%. Your lifetime adjustment cap is 8%. BI-WEEKLY MORTGAGE AMORTIZATION CALCULATOR WITH EXTRA PAYMENTS In this example, adding $50 to your bi-weekly payments reduces your interest cost to $119,177, saving you $41,128 in total interest charges. It also pays your loan early by 24 years and 6 months. Meanwhile, if you increase your extra bi-weekly payment by $150, your total interest charges will decrease to $105,110. BEST 15 YEAR MORTGAGE REFINANCE RATES: COMPARE 15 YR FRM Furthermore, compared to a 30-year FRM, you save tens and thousands on interest charges with a 15-year FRM. 15-year FRMs also come with lower rates by around 0.25% to 1% than 30-year FRMs. As of January 10, 2021, the average mortgage rate for a 30-year FRM is 2.65% APR, while the average interest rate for a 15-year FRM is 2.16% APR. DISCOUNT POINTS BREAK EVEN CALCULATOR: HOME MORTGAGE Break-even point (BEP) = $ Cost of points / $ Amount in monthly savings. Using our previous example above, let’s see how long it will take to break-even on your investment. In the example, each point would cost $2,000 (because 1% of 200,000 is equal to 2,000). To purchase 2 points, this would cost $4,000. USDA RURAL DEVELOPMENT HOME LOANS CALCULATOR: USDA The last time these fees were updated were in September 1, 2016. After this announcement, the USDA reduced the upfront guarantee fee from 2.75% to 1%. They also reduced the annual guarantee fee from 0.5% to 0.35%. For example, if your loan amount is $250,000, your upfront guarantee fee will be $2,500. MORTGAGE CALCULATORS Current Redmond mortgage rates are displayed at the bottom of this page. By default 30-year fixed-rate mortgages are displayed. The table offers interactive features which allow homebuyers to compare different loan terms, down payment amounts, fixed vs adjustable rates, purchase vs refinance loans, property use type, military status, home type, discount points and many other features. ADVANCED PITI MORTGAGE CALCULATOR WITH TAXES, INSURANCE For conventional loans, you’re charged private mortgage insurance (PMI) if your down payment is below 20% of your home’s value. PMI can cost between 0.25% to 2% of your loan amount annually. However, once you gain 22% equity of your house, which is a loan-to MORTGAGE AFFORDABILITY CALCULATOR: ESTIMATE HOME LOAN Using the above calculator, we were able to determine a feasible home price you can afford, which is $412,033. It also shows your current down payment is only 15.78% of the home’s price. To make 20% down on a $412,000 home, you should save a $82,406.60, which is BEST 20 YEAR MORTGAGE REFINANCE RATES: COMPARE 20 YR FRM If you take the 20-year FRM, you’ll save a substantial amount on interest costs. In this example, a 30-year FRM generates $172,149.46 in total interest charges. Meanwhile, a 20-year FRM only costs $106,012.61 in overall interest costs. Thus, choosing the 20-year FRM CASH OUT REFINANCE CALCULATOR: COMPARE CASH OUT REFI VS Old Loan New Loan With $50000 Cash Out; $1,643.38 Monthly Payment: $1,322.39 Monthly Payment: $220,417.93 Remaining Loan Balance: $270,417.93 New Loan Balance with 83.21% LTV MORTGAGE INTEREST DEDUCTION INCOME TAX SAVINGS BENEFIT 2018 Changes to Mortgage Interest Income Tax Deduction. Congress passed the Tax Cuts and Jobs Act of 2017, which changed the tax code in a number of ways that limits the breadth of income-tax deductions tied to homeownership. BIWEEKLY MORTGAGE CALCULATOR WITH EXTRA PAYMENTS Now, let’s look at how much you must pay on the first month: I = $260,000 x 0.0029. I = $754. B = $260,000 – ($1,170 – $754) B = $260,000 – $416. B = $259,584. In the first few years, much of your mortgage payment goes toward interest payments. BEST 10 YEAR MORTGAGE REFINANCE RATES: COMPARE 10 YR FRM This is a lot cheaper compared to the 15-year FRM which costs $45,012.50 in total interest, or the 30-year FRM which comes with $118,236.23 in overall interest expenses. With the 10-year term, you’ll save $88,959.56 compared to a 30-year term over the life ofthe loan.
HOME EQUITY LINE OF CREDIT CALCULATOR: HELOC QUALIFIER Home Equity Line of Credit Calculator: HELOC Qualifier. This calculator enables homeowners to estimate how large of a credit line they may qualify for given the appraised value of their home & any outstanding mortgage debt they have against the property. Various lenders allow borrowers to qualify for different Loan-to-Value (LTV)ratios.
HOW TO GET A MORTGAGE WHEN YOU HAVE STUDENT LOAN DEBT We will use the same PITI, $1,200 per month. You have a small balance on one credit card with a $50 minimum monthly payment. You pay $375 each month on your student loan. So, if all of your monthly debt payments come to $1,625, your back-end debt-to-income ratio is 39 percent. Most lenders will want that number under 36 percent. * Homeour calculators * Pay Extraextra payments * Bi-Weekly Payments* Real APR
* Money Saving Resources * Qualificationrequired income * Minimum Income Requirement * Debt to Income Ratio* Home Loan Limit
* Advanced Calculator * Paymentsmonthly payments* Refinancing
* Adjustable Rates
* Interest Only Loans* Discount Points
* Tax Savings Calculator ------------------------- Welcome to mortgagecalculators.com. Our site has been around for a decade & is well reputed for its clean & fast user experience. We give you exactly what you need without the clutter and distraction found on many personal finance websites. Please look through the following list of calculators to find the one that best fits your needs. Current mortgage rates are displayed at the bottom of this page. By default 30-year fixed-rate mortgages are displayed. The table offers interactive features which allow homebuyers to compare loan terms, down payment amounts, fixed vs adjustable rates, purchase vsrefinance, etc.
BASIC CALCULATORS
* Monthly Payment Calculator - See monthly payment estimates for a given price. This basic tool is quick-and-easy to use, but does not include PMI or property taxes. Please use our advanced calculatorif you are looking
for a more in-depth payment estimate. * Minimum Income Requirement - See a house you want to buy? Use this to calculate the minimum income required toafford it.
* Home Loan Limit - Curious about how much home you can afford? Use this free calculator.* DTI - See your
current front end & back end debt to income ratios.ADVANCED CALCULATOR
Advanced Mortgage Calculator - This full featured mortgage calculator allows you to input home value, principal, interest rate, loan term, start date, property tax, HOA dues, homeowner's insurance and PMI. Its output features includes * amortization graphs* repayment charts
* a balance graph
* loan summary
* amortization schedule tables MONEY SAVING CALCULATORS* Rent vs Buy
- Determine
if you are better off renting or buying a home. * Tax Savings Benefits Estimator - Learn how much you can save on taxes by deducting home loan related expenses like:interest & points.
* Amortization
- See how
quickly you'll make progress paying off your home using regular payments. Print out the amortization schedule to see your current balance at any point in time.* Current Balance
- See how much
you still owe on your loan.* Loan Payoff Goal
- See how much
you'll need to add to your monthly payments to pay your loan off by aset date.
* Payment Range
- See how much
faster your loan will be paid off if you increase your monthlypayments.
* Compare Loan Terms- rather than
amortizing your home over 30 years see how much you can save by repaying your loan in 20, 15
or 10 years
! You can also
use our side-by-side calculatorto compare two
loan options on the same page. * Bi-weekly Payments - Learn how much time and money you'll save paying off your loan on a bi-weekly payment plan. You can also calculate biweekly payments with extra payments& create
amortization schedules for the new loan payments. * Additional Payments - Are you trying to save money by making extra payments? Use this tool to project yourpotential savings.
* Refinance Calculator - Thinking of refinancing your home? Compare new loan offers to your old loan to see how much you could possibly save by refinancing. If you want to withdraw equity use our cash out refinance calculator.
HOME LOAN OPTIONS
* Discount Points Calculator - Not sure if you should pay discount points on your loan? Use this to estimatepotential savings.
* Real APR - Find out the real annual percentage rate of your loan after points and other costs.* ARM Calculator
- Figure out monthly payments and view the amortization schedule for adjustable-rate mortgages. * Interest Only Calculator - Find out how low monthly payments can be using an interest-only payment plan.* Fixed vs ARM
- Quickly
estimate payments for fixed, adjustable & IO only loans side-by-side.* Closing Costs
- Figure out
how much you will need set aside to cover the down payment & escrow.* FHA Loans -
Learn about loans backed by the FHA.* VA Loans -
Explore payments & requirements for loan programs catering to active duty military, veterans & their spouses.* USDA Loans -
Rural home loan programs guaranteed by the USDA. * Mortgage Rates Calculator- Unsure if
rates are going up or down? This tool makes it easy to see how rate shifts will impact monthly loan payments.* HELOC Qualifier
- See how much a
homeowner is qualified to borrow at various LTV values.* Home Equity Loans
- Consolidate
debts into a low-interest loan secured by your home. REAL ESTATE INVESTORS & PROPERTY SELLERS * Real Estate Commissions- Compare
the savings of various commission rebate options or see if it makes more sense to conduct a FSBO. * Purchase Money Loans- Calculate
the future balance due on PMMs. * Net Seller Proceeds- See how much
you'll have in the bank after factoring outstanding loan balance along with fees associated with the property sale and transfer.* Income Properties
- Analyze the
potential returns on residential income property investments.* 1031 Exchanges
- Explore the tax
deferred like-kind exchange program* Reverse Mortgages
- Estimate
future loan balances based upon the upfront payment, monthly payments & the anticipated rate of interest. CURRENT 30 YR FIXED MORTGAGE RATES The following table highlights locally available current mortgage rates. By default 30-year purchase loans are displayed. Clicking on the refinance button switches loans to refinance. Other loan adjustment options including price, down payment, home location, credit score, term & ARM options are available for selection in the filters area at the top of the table. -------------------------Basic
| Advanced |
Refinance |
Real APR | IO
| Points
| Tax Savings
| Biweekly
|
Extra Payments
| 10
yr | 15 yr
| 20 yr
| DTI Ratio
| Income Req
|
Affordability
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