Calculators

Mortgage payment calculator
Calculate your monthly payment based on loan amount, interest rate, and length of mortgage. If known, enter amount of taxes, insurance, and maintenance or check the box for an estimate.

Mortgage amortization calculator
Calculate your monthly principal and interest payments over the lifetime of the loan.

Should I pay points?
Paying points for a lower interest rate is a trade off between paying money now versus paying money later. A point - equaling 1% of the total loan amount - is an upfront fee that reduces your monthly interest rate and total interest due over the life of a loan. Use our calculator to figure out the cost and effective saving of loan points as well as the amount of time it will take to recover your loan points.

Should I refinance?
Calculate your monthly savings and compare your principal balance in 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 calculation.

Fixed rate APR
A standard calculation used by lenders. It is designed to help borrowers compare different loan options. For example, a loan with a lower stated interest rate may be a bad value if its fees are too high. Likewise, a loan with a higher stated rate with very low fees could be an exceptional value. APR calculations incorporate these fees into a single rate. You can then compare loans with different fees, rates or different terms.

Home affordability calculator
Estimate home value you could afford based on your income and debt. The calculation is based on standard (33/38) affordability ratios for front and back. The front ratio compares your total mortgage payment to your income and the back ratio compares your total obligations including your mortgage payment to your income.

Home value calculator
Find out instantly how much your home worth.