Mortgage Calculator & Payment Calculators

As with any page or part of this site, you can contact me directly for assistance. If it is after normal business hours, I will contact you at my earliest possible convenience. My contact information is located at the bottom of this page as well as the front page. The final mortgage calculator link at the bottom of the page contains even more mortgage calculators and payment calculators that I wasn't able to carry over to this page.

Click here to complete a mortgage application with a company that has some excellent programs for people with less than perfect credit.

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Fixed Rate Mortgage Calculator

Below is the fixed rate mortgage calculator. This simple calculator figures your monthly payment based on your input. Select the Taxes and Insurance box to estimate your impounds (taxes, insurance, mortgage insurance). This calculator assumes conventional mortgage financing for calculating mortgage insurance.

Fixed Rate Mortgage Payment Calculator: Figure out your estimated payment for different loan amounts, interest rates, and terms

Refinance Mortgage Calculator

Below is the mortgage refinance calculator. This mortgage calculator analyzes the total cost and savings of your refinance mortgage as well as principal balance when you sell your home and break even periods. Based on your current and calculated mortgage payments, this calculator figures your monthly savings. It also compares your principal balance in 5 years with and without refinancing. Based on your total cost to refinance, a break even period is calculated in relation to your monthly savings. The time value of money and income tax deductions are not considered in this refinance mortgage calculation.

Refinance Mortgage Payment Calculator: Figure out your estimated payment for different loan amounts, interest rates, and terms

For additional information on refinancing and what to consider before choosing to refinance, click on the link below.

Information to consider when refinancing your home.

Refinance your home and take advantage of great rates!

Click here to apply for a cash out Refinance

Debt Consolidation Mortgage Calculator

This is a debt consolidation calculator and this mortgage calculator analyzes the interest and tax savings associated with consolidating credit accounts into a home equity loan. Based on the costs of the loan, a break even period is calculated to figure how long it will take before your savings equal the costs of obtaining the consolidation loan. Consolidation loans can significantly decrease the required monthly payment as it is amortized over a long period of time. This calculator figures how long it will take to pay off the consolidation loan if you make a payment equal to your total monthly payments before consolidating.

Mortgage Payment Calculator: Figure out your estimated payment for different loan amounts, interest rates, and terms

Get a home equity loan to consolidate your debt.

To apply for a debt consolidation loan, click here.

For additional information on debt consolidation loans and if they are right for you, click on the link below.

Is a debt consolidation loan right for you?

If you don't qualify for a refinance or debt consolidation loan due to credit issues, help may still be available for you.

Click here to learn about debt consolidation companies work and if it is right for you.

The link below is the only Debt Consolidation Company that has met my standard to be allowed on my site.

Click here for more information

Click here to complete an application with a company that is the leader in bad Credit Home Loans.

Buy vs. Rent Mortgage Calculator

This is a cool little feature called the buy vs. rent calculator. This mortgage calculator analyzes the total cost to rent versus the total cost to own. To estimate taxes, insurance, and maintenance, select appropriate box. Not all calculated values are displayed. Home appreciation and rent increase values vary by area. A positive/negative Home Purchase Benefit indicates the financial advantage/disadvantage of owning your own home. Various intangible factors can be analyzed in this decision such as relocation possibilities, pride of ownership, improved lifestyle, etc.

Rent vs. Own Calculator: Estimate the difference between renting a property and buying a home.

How Much Can I Afford Mortgage Calculator

This mortgage calculator analyzes the amount that you can afford when purchasing a new home. Mortgage companies use ratios to analyze your mortgage payment. The housing payment ratio (or Front Ratio) compares your total mortgage payment to your monthly income. The total debt expense (or Back Ratio) compares your total monthly obligations including your total mortgage payment to your monthly income. These ratios are meant to be used as guides. Please contact me directly for a complete prequalification analysis.

Affordability Calculator: Get a better idea of how much you can afford to pay for a house and what the monthly payment will be.

Learn about all the different loan programs available and the calculators to figure payments by clicking here

For information that you need to know to apply for a mortgage loan, click here

Refinance your home and take advantage of great rates!

For additional information about the mortgage calculators above or any other mortgage concerns or questions, please feel free to contact me directly