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Steve
Brand
Northpointe Bank
7700 Hudson Rd
Suite 500
Woodbury, MN
612-386-5306
www.StevenBrandHomeLoans.com
Steve@StevenBrandHomeLoans.com
Refinance Calculator
Current Loan Payment
New Loan Payment
Monthly Difference
-
=
Monthly Interest Savings
Annual Interest Savings
Months to Breakeven
Original
Balance
$200,000
info/help
Current
Balance
$190,000
i
Loan
Term
30
i
Interest
Rate
5.750%
i
MI/PMI
0.00
i
Annual
Taxes
$4,000
i
Annual
Insurance
$800
i
Costs @
1.500%
i
Cash
Out
$0
i
New Loan
$193,000
i
Loan
Term
30
i
Rate/APR
4.250%
i
MI/PMI
0
i
Rate of Return on Costs
Detail Screen
Pre-Payment Screen
Calculate Existing Balance
Property Factors
Property Value
$250,000
Loan to Value Ratio will equal
Annual Real Estate Taxes
$4,000
Annual Cost of Insurance
$800
Loan Factors
Current
New
Original Loan Balance
$200,000
Current Balance
$190,000
Costs on New Loan
1.500%
Cash Out with New Loan
$0
Total New Loan Amount
Interest Rate & APR
5.750%
4.250%
Term
30
Current Monthly
30
New Monthly
P&I Payment (Click check box for IO)
Mortgage Insurance Factor
0.00
0
Monthly Real Estate Taxes
Monthly Cost of Insurance
Grand Total Payment
Mo. Payment Savings
Monthly Interest Savings
Annual Interest Savings
Months to Breakeven
Rate of Return on Costs
Pre-Payment Analysis -
What happens when you add extra to the principal each month?
Your current Principal and Interest Payment =
The principal and interest payment for the proposed new loan =
The payment savings on the proposed new loan =
add this as extra principal on the new loan (or try other amounts too)
$137
Your total new principal and interest payment will =
With the extra principal added, the term of your loan (in years) would be reduced to
The total term reduction =
years vs. the years remaining on your current loan and that means total payment savings =
Tables for Pre-Payment Analysis
Loan and Property Factors
Current Loan
New Loan
Annual Real Estate Taxes
Annual Cost of Insurance
Original Loan Balance
Remaining Balance
Costs on New Loan
Cash Out with New Loan
Total New Loan Amount
Interest Rate & APR
Term
P&I Payment (Click check box for IO)
Extra added to principal =
Total principal and interest payment =
New loan term would now =
Mortgage Insurance (MI or PMI)
Mortgage Insurance Factor
Grand Total Payment
Calculate Your Existing Balance
Original Loan Balance =
Current Date =
First Payment Date =
Number of Months Paid
Principal Paid to Date
Remaining Loan Term =
Remaining Balance =
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