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mortgage solution online Monthly payment calculator
refinance mortgage quote Refinance calculator
home mortgage interest rate online Rent vs. Buy
help consolidate debt Home affordability calculator
help consolidate debt ARM vs. Fixed Rate Mortgage Calculator
help consolidate debt Mortgage Rate Comparison Calculator
help consolidate debt Mortgage Term Comparison Calculator
help consolidate debt Interest Only Loan Payment Calculator
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Monthy Payment Calculator
Our mortgage loan calculator will allow you to figure out your estimated payment for different loan amounts, interest rates, and terms.

Annual tax and insurance are optional, and not required to calculate your monthly loan payment.
Years:
Interest:
Loan Amount:
Annual Tax (optional):
Annual Insurance (optional):
 

Results
Monthly Prin + Int:
Monthly Tax:
Monthly Ins:
Total Monthly Payment:
Total Payments:


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Mortgage Refinancing Calculator
This calculator will help you to decide whether or not you should refinance your current mortgage at a lower interest rate. Not only will this calculator calculate the monthly payment and net interest savings, but it will also calculate how many months it will take to break even on the closing costs.
Enter the principal balance of your mortgage (call your mortgage lender and ask for the current payoff amount):
Enter the amount of your monthly mortgage payment:
Enter the your mortgage's current interest rate:
Enter interest rate you will be refinancing at:
Enter the number of years you will be refinancing for:
Enter the closing costs :
(Typically, # of points is "2" or dollar amount is .02 times the principal):

Would you like to finance the closing costs?
Net Refinancing Savings (interest savings less closing costs): if you refinance:
Monthly Savings:
Number of months to break even on closing costs:
This is how much interest you will pay under your current monthly payment plan:
This is how much interest you will pay under your refinanced monthly payment plan:
This is how much interest you will save if you refinance:
This is how much your monthly payment will be
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Rent Vs. Buy Calculator
This calculator will help you to compare the costs of renting to the costs of buying a home. Since there are all kinds of forces at work behind the scenes (interest, property taxes, tax savings, appreciation, opportunity costs, closing costs, selling costs, etc.), comparing the cost of renting to the cost of buying is a lot more complicated than just comparing the monthly mortgage payment to the monthly rent payment. This calculator attempts to forecast the net effects of all the hidden forces so you can make an informed decision.

Help Buttons: For pop-up explanations of any of the entry fields, click the radio button next to the description.
Monthly rent ($):
Monthly rental insurance ($):
Expected annual inflation rate (%):
Purchase price of home ($):
Down payment amount ($):
Length of mortgage term (# of years):
Mortgage's annual interest rate (%):
Discount points on purchase of home (%):
Origination fees (%):
Other loan costs ($):
Mortgage Insurance (PMI %):
Homeowner's insurance rate (%):
Monthly association dues ($):
Average monthly maintenance ($):
Annual property tax ($):
State plus Federal income tax rate (%):
Interest rate you expect to earn on savings (%):
Expected percentage your home will appreciate by each year (%):
Number of years you will stay at this property:
Realtor commission rate (%):
   

Total estimated cost of renting:
Total estimated cost of buying:


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Home Affordability Calculator
Monthly Income - $
Monthly Obligations - $
Down Payment - %
Closing Costs - %
Buyer(s) Available Cash Funds
Savings & Cash - $
Taxes and Insurance
Annual Property Tax - %
Annual Hazard Insurance- %
Annual Condo Fee - $
Loan Conditions
Annual Interest Rate - %
Loan Term in years
 

Your Estimated Results
Maximum Mortgage Amount
Down Payment
Property Sales Price
Closing Costs
Down Payment & Closing Costs
Funds Surplus / Shortage (-)  
Monthly Loan Payment
Monthly Property Tax
Monthly Hazard Insurance
Monthly Condo Fee
Monthly PMI Insurance
Monthly Housing Expense
 
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ARM vs Fixed Rate Mortgage Calculator
This calculator that will help you to compare a fixed rate mortgage with both fully-amortizing and interest-only adjustable rate mortgages (ARMs).
Loan Information
Mortgage loan amount:
Mortgage loan term:
Expected adjustment (%):
Fixed Rate Mortgage
Fixed interest rate (%):
Fully Amortized Adjustable Rate Mortgage
Beginning interest rate (%):
Number of months before first rate adjustment:
Interest rate cap (%):
Interest-Only Adjustable Rate Mortgage
Beginning interest rate (%):
Number of months before first rate adjustment:
Interest rate cap (%):
   

Comparison Results Fixed ARM Interest-Only ARM
Beginning monthly principal and interest payment:
Total monthly payments:
Total interest:
Maximum monthly payment:
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Mortgage Rate Comparison Calculator
This calculator that will help you to compare monthly payments and interest costs of home mortgages at up to five interest rates simultaneously.

Enter the mortgage principal amount and the length of the mortgage in years. Then, either enter a starting interest rate and select the percentage to increment the comparison rates, or enter a rate for each of the five "Interest Rate" fields.
Enter the mortgage principal ($):
Enter the term of the mortgage in years:
Enter a starting interest rate (%):
Closing Costs - %
   

Interest Rate >>> % % % % %
Monthly payment:
Total principal:
Total interest:
Total payments:

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Mortgage Term Comparison Calculator
This calculator that will help you to compare monthly payments and interest costs of home mortgages at various loan term lengths.
Enter the mortgage principal ($):
Enter the expected annual interest rate (%):
   

Description 10 Years 15 Years 20 Years 25 Years 30 Years
Monthly payment:
Total principal:
Total interest:
Total payments:

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Interest Only Loan Payment Calculator
This calculator will compute a loan's monthly interest-only payment.
Principal ($):
Interest Rate (%):
   
Monthly interest payment:
   
     
Through our network of top rated lenders, Ezloanapply will help you find the right loan for your needs at the most competitive rates possible.

Please Note: We do not ask you for a social security number or other sensitive financial information.
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