Mortgage Refinancing Options, Citizens Bank, refinancing a mortgage.#Refinancing #a #mortgage

Mortgage Refinancing

Explore options for refinancing your loan.

If you re looking to lower your interest rate or shorten your loan term, refinancing your home loan may help you get into a better financial position for your changing life circumstances.

Another way to lower your interest rate.

If you’re refinancing and have a Citizens checking account you could save even more.

Fixed-Rate Mortgage Details

When you refinance into a fixed-rate mortgage, your interest and principal payments won’t change for the life of the loan. Fixed-rate mortgages offer more stability in monthly payments than an ARM. To estimate your rate, use our Custom Rate Quote tool.

*Rates listed above are for conforming refinance loans, are effective as of

#ProductLine=Mortgage|Brand=citizensbank|ProductAttribute=RATE_UPLOAD_DATE# and subject to change at anytime. Rates include a 0.125 percentage point reduction which requires a Citizens Bank consumer checking account set up at time of loan origination with automatic monthly payment deduction. One offer per property. Not applicable to Bond or CRA loans. Other restrictions may apply.

Adjustable-Rate Mortgage (ARM)

When refinancing your home, our adjustable-rate mortgage (ARM) is ideal if you plan to stay in your home for a shorter period of time or have a higher tolerance for rate variability. ARMs generally offer initial interest rates that are lower than most fixed-rate mortgages. The initial interest rate on an ARM starts out fixed for a set number of years, then becomes variable. After that, the rate or payment will go up or down each year as the market index changes. To estimate your refinance rate. Use our Custom Rate Quote tool.

*Rates listed above are for conforming refinance loans, are effective as of

#ProductLine=Mortgage|Brand=citizensbank|ProductAttribute=RATE_UPLOAD_DATE# and subject to change at anytime. Adjustable rate mortgages (ARMs) have interest rates that are subject to increase after loan closing. Rates include a 0.125 percentage point reduction which requires a Citizens Bank consumer checking account set up at time of loan origination with automatic monthly payment deduction. One offer per property. Not applicable to Bond or CRA loans. Other restrictions may apply.

Jumbo Mortgage

A jumbo mortgage is required if you need to borrow an amount that exceeds the conforming loan limits. The current limit for a single-family home in the U.S. is $424,100 in most places. To estimate your rate, use our Custom Rate Quote tool.

*Rates listed above are for portfolio jumbo refinance loans, are effective as of

#ProductLine=Mortgage|Brand=citizensbank|ProductAttribute=RATE_UPLOAD_DATE# and subject to change at anytime. Adjustable rate mortgages (ARMs) have interest rates that are subject to increase after loan closing. Rates include a 0.125 percentage point reduction which requires a Citizens Bank consumer checking account set up at time of loan origination with automatic monthly payment deduction. One offer per property. Not applicable to Bond or CRA loans. Other restrictions may apply.

10-Year First Lien Position Home Equity Loan

You may qualify for an even lower home equity rate with a First Lien Position Home Equity Loan. This product is for borrowers with no other mortgages or liens on the property, or who intend to pay off an existing first mortgage with a new home equity loan. Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.


  • Typically no closing costs
  • Close in about 30 to 45 days
  • Interest may be tax deductible; consult your tax advisor
  • Minimum loan amount of $50,000
  • Save 0.25 percentage points off your home equity interest rate with a Citizens Bank checking account **
  • Maximum loan-to-value (LTV) of 80%

Rates listed above include all discounts and are effective as of #ProductLine=Mortgage|Brand=citizensbank|ProductAttribute=RATE_UPLOAD_DATE# and are subject to change at any time. For important additional information including how to obtain these rates, see full disclosures below**.

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Citizens Bank is a brand name of Citizens Bank, N.A. (NMLS ID# 433960) and Citizens Bank of Pennsylvania (NMLS ID# 522615).

Citizens Bank corporate headquarters: One Citizens Plaza, Providence, RI 02903 Refinancing a mortgageRefinancing a mortgage

Mortgages are offered and originated by Citizens Bank, N.A. All loans are subject to approval.

** First Lien Position : The following rates are our best rates for a 10-year term. As of #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=HLS_date# , #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=HLS_FIRST_LIEN_APR_OTHER# APR is available for qualifying properties in CT, DE, MA, MI, NH, NJ, OH, PA, RI and VT ( #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=HLS_FIRST_LIEN_APR_NY# APR in NY) with a loan-to-value (LTV) of 80% or less for loans of $50,000 or more with auto-deduction from Citizens Bank consumer checking account and a 10-year term. An equity loan of $50,000 with a 10-year term at #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=HLS_FIRST_LIEN_APR_NY# APR results in 120 monthly payments of #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=HLS_FIRST_LIEN_APR_REPAYMENT# . Payment examples do not include escrow for property related taxes and insurance that must be paid separately. Single family residence, condo, 2- to 4-unit multi-family homes, and primary/secondary vacation homes held in first lien position only. First lien position home equity loans are only available to customers who do not have an existing mortgage or equity loan on the property or are planning to pay off an existing mortgage or equity loan with this new loan. First lien position home equity loans are only available for a 10-year term. All Annual Percentage Rates (APRs) assume payment by auto-deduction from Citizens Bank consumer checking account. Rate and terms may change at any time. Offer subject to change without notice. Not available for homes currently for sale. Homes previously listed for sale must be off the market for at least ninety days prior to application. Property cannot be an investment property, co-op, mobile home or manufactured housing (mobile homes – including those on own land, on permanent foundation, and including single and double wide). Property insurance required. Flood insurance may be required. All accounts and services subject to individual approval. Consult your tax advisor regarding deductibility of interest.

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Your mortgage

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Find out what you could be paying each month with one of our mortgages.

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Find out how much you may be able to borrow and use our guides to help you take your first step on the property ladder.

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Finding a mortgage should be simple – even if finding the right property might not be.


If your mortgage is with another lender and you’re considering a better deal, take a look at our range of mortgages to see if we could save you money.

Moving home

Buying a new home? See what rates we could offer you.

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See your options for getting a better rate, and saving money.

Borrow more

Do you need to borrow extra money? Here’s what you’ll need to do.

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For every new customer mortgage completed, we give ВЈ25 to Centrepoint – a youth homelessness charity, and our charity partner. Learn more about the work we do with Centrepoint.

Read more about the terms of the donation

New mortgage customer applications received during the 12 month period commencing 2nd May 2017 will be eligible for the donation, on completion of the mortgage. New mortgages taken out by existing mortgage customers or transactions relating to their existing mortgage (e.g. a product switch, further advance, porting of an existing mortgage or change of borrower) are not eligible for the Centrepoint charity donation at this time. The ВЈ25 will be paid following completion of the mortgage and the Bank will make a payment to Centrepoint quarterly, for eligible completions during the previous quarter.

The £25 donation will be made for each new-to-Bank mortgage sold through direct and intermediary channels i.e. it applies to the Bank’s Britannia and Platform branded mortgages. Britannia and Platform are trading names of The Co-operative Bank p.l.c. The Bank reserves the right to change or withdraw the donation arrangement at any time.

Centrepoint is a registered charity in England and Wales, No. 292411

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Your home may be repossessed if you do not keep up with repayments on your mortgage

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Manage your appointment with a mortgage adviser and check the progress of your application.

To book, change or cancel an appointment with a mortgage adviser

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Information or documents you’ll need to apply

When you apply for a mortgage, we’ll need some things from you, such as:

  • Details of your names and addresses for the last 3 years
  • Details of your current income
  • Details about the property

Learn more about what you need to apply

Our range of mortgages

  • Unfortunately we’re unable to offer the following types of mortgages:
    • Buy to Let
    • Help to Buy
    • Mortgages for debt consolidation
    • Interest only mortgages

Important information if your current mortgage is on interest only

Repaying your mortgage at the end of your term

Is all or part of your Co-operative Bank or Britannia mortgage on an interest only basis? If so, this means your monthly payment pays only the interest on your loan. It is important that you plan how you will repay the outstanding balance on your mortgage at the end of the mortgage term.

You should check regularly that your repayment plan remains on track. If your plan does not provide sufficient funds to repay your mortgage at the end of the term, you should make alternative arrangements now and it may be necessary to sell your property.

Worried about repaying your final balance?

Don’t delay – the sooner you take action the better. There are a number of ways to close the gap between your outstanding mortgage balance and the value of your current repayment plan e.g. an investment or savings scheme (such as ISA, endowment policy or pension lump sum) which is used to repay an interest only mortgage at the end of the term. In addition, the following options are available.


You could convert some or all of the outstanding balance of your loan to a capital interest repayment mortgage over a term suitable and affordable to you. We will not charge you for switching from an interest only mortgage to a capital interest repayment mortgage. This option will ensure that your mortgage will be repaid at the end of the term. If you wish to discuss this matter further please contact us on 08000 288 288.


Overpayments are when you pay an extra amount into your mortgage, with the aim of reducing your interest in the long run or reducing your term time.

If you have a fixed rate mortgage, you can overpay by up to 10% of your outstanding mortgage balance each year. If you overpay more than 10% each year during your fixed term, however, you will incur an early repayment charge. Once your fixed term ends, you won’t need to pay an early repayment charge.

Customers who have a tracker mortgage can make unlimited overpayments without incurring an early repayment charge.

Full details of early repayment charges are provided with product information available on our rates pages.

Lifetime mortgage

One option could be to consider taking out a lifetime mortgage to pay off your outstanding mortgage balance with us. A lifetime mortgage is a form of equity release secured against your home which is repaid on death or on moving into long term care. The Co-operative Bank doesn’t offer this type of mortgage, but we have partnered with Legal General to offer their Lifetime Mortgage product to our customers. A lifetime mortgage is not suitable for everyone and acceptance is subject to eligibility criteria.

More information on Legal General Lifetime Mortgages can be found here, or please contact us for more information.

Independent Financial Advice

If you have concerns regarding your existing payment loan and require on suitable plans we strongly recommend that you seek advice from an Independent Financial Adviser.

  • Please remember it is your responsibility to ensure that you have enough funds to repay your mortgage at the end of the term.

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Alexa, get me a mortgage

Virtual assistants such as Amazon’s Alexa can tell the customers of a select few banks their checking account balances, but could she one day help them secure a mortgage?

It’s a scenario that some banks are already contemplating, as voice-based assistants get used in more and more aspects of the financial services industry and life in general.

“We see a lot of opportunities for conversational interfaces, and we have a stack of ideas we are experimenting with now,” said Patrick Kelly, assistant vice president for emerging technology at USAA in San Antonio, one of the early banks to offer customers the ability to get basic account information from Alexa.

“There are lots of opportunities with mortgages, Kelly said. By their very nature they are a complicated, multistep process for someone to engage in.”

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Dave, I can do that

One thing USAA is thinking about is how voice-based virtual assistants could take steps out of the mortgage application process. For example, a customer could share pertinent financial information an assistant could then input into the proper places in a digital document, Kelly said. Or a customer could ask about certain aspects of a home loan without having to sift through much of the bankspeak, as Kelly put it, found in typical mortgage documents.

“There’s a lot of friction points in the process,” Kelly said. “If we can eliminate steps or make something easier to understand, then you’ve created a better experience.”

As bank customers in general become more comfortable with voice-interactive virtual assistants to conduct a wide range of financial transactions, mortgages will be a natural fit, said Gareth Gaston, head of omnichannel banking at U.S. Bank, which recently began letting letting its customers interact with the bank through Alexa.

“Voice [interactions] will become an increasing part of a consumer’s everyday life,” he said. “It’s not about just adding another channel, but taking a massive step in how customer interactions happen. Mortgage applications are a great example — [a virtual assistant] can record some of that basic information; you can also digitize some more of the back-end work, too.”

Technology will not completely replace human mortgage advisers, Gaston noted, but rather “augment their capability; and it will allow [customers] to self-serve in some areas, or help them make their own decisions in conjunction with an adviser.”

Even before the mortgage process is started, voice-based services could be used to help consumers with information-gathering or financial literacy, said Amory Booher, senior vice president of risk technology and execution at BBVA Compass in Birmingham, Ala.

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More than a recording

“New homebuyers, for instance, are educating themselves on the process as it is happening, so there is a need to inform,” Booher said. “[Artificial intelligence] could provide a customer-specific response to borrowers asking questions like, ‘What is an APR?’ with an explanation of APR and also specific insight into their loan and their APR. Many other products and services start off a conversation with a chatbot and then transition to a person as the conversation gets more complicated or involved. Couple this capability with open architecture and services, and information could be pushed via personal assistants like [Apple’s] Siri.”

If you think of a personal assistant “more broadly than within the context of software that can communicate verbally,” it opens it up to other areas in the mortgage process, Booher added.

“Imagine the scenario where a personal assistant knows the spending behavior or financial stability of a customer,” Booher said. “The virtual assistant could provide the customer with additional insight to guide them toward a better mortgage decision or help them manage their responsibilities during the origination process.”

This more consultative approach is likely how the technology could really improve the mortgage process for customers, said Roberto Hernandez, principal at PwC.

“Right now, the information you can get [from banks’ virtual assistants] is the same you can get from quickly going to the app: ‘What’s my balance’ and things like that,” he said. “But if you can make that into, ‘Alexa, what’s the optimal loan for that house I found online that I’m interested in,’ or ‘Hey, can we start the mortgage application process,’ then you are really leveraging AI and changing the experience.”

Hernandez said it is imperative for banks to get to that point with mortgages — and other more complicated financial products — as customers become more comfortable relying on voice-interactive virtual assistants. Indeed, some institutions are already on this path: The nonbank wholesale lender AFR Wholesale recently announced a partnership with Amazon to integrate its origination portal with Alexa.

Like Gaston, Hernandez said technology like Alexa can be used to complement loan officers.

“Loan officers add a tremendous amount of value, but much of what they do you can leverage technology for,” he said. “So if a customer is just looking for the status of an application, they don’t need to chase down the loan officer, they can just ask [the assistant]. Then later when they want to speak with someone for help through some of the more complicated parts of the product, they can do that.“

In the end, the ways in which banks can integrate voice-interactive services into the mortgage process will not be dictated just by how advanced the technology can evolve, but by regulatory standards as well, said USAA’s Kelly.

“The mortgage process is very document-heavy, but that’s what regulators want; they want to see all this information documented,” he said. How much of that documentation can be transmitted through a device like Alexa “is something the industry will have to sit down and discuss with regulators.

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Discharge of Mortgage

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The undersigned hereby acknowledges that the Mortgage, known by Loan # _________ and secured against property known as ______________, and more fully described in Exhibit 1, has been paid and satisfied in full and hereby releases and discharges any and all right, title, interest claim and demand both at law and in equity that it may have to the Mortgage and the property described therein.

This Release shall inure to the benefit of the Owner and his heirs, executors, legal representatives, successors and assigns.

STATE OF ________________

COUNTY OF ______________

On _______________ before me, personally appeared ____________, personally known to me (or proved to me on the basis of satisfactory evidence) to be the person whose name is subscribed to the within instrument and acknowledged to me that he executed the same in his authorized capacity, and that by his signature on the instrument the person executed the instrument.

My Commission Expires on:

Discharge of Mortgage

This review list is provided to inform you about this document in question and assist you in its preparation. This is a standard discharge of mortgage and should be filed with your registry of deeds if it relates to property you own. It is a standard financial discharge form, which can be adapted to many related purposes.

1. Make multiple copies. Give one to each related party. File one with the registry of deeds. Keep one with the transaction file.

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Current Interest Rates on Home Loans, Savings, Car loans – CD Rates, get a home

Today’s Interest Rates and Financial Advice:

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Financial Advice

Would you like to buy a home but worry that you’d never qualify for a mortgage? It’s time to stop guessing and evaluate your chances to land a loan based on everything from how much you make to your credit score. Believe it or not, the odds are in your favor.

November 14th 2017

The average cost of financing a new or used car or truck has stayed low over the past year, making auto loans a bargain by any historical measure. And buyers with reasonably good credit can always take advantage of the discount loans automakers are offering on many models.

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You’ve scouted out the best mortgage rate and fought hard to get the best price on your new home. But your bargaining shouldn’t stop there. Here’s how you can save on everything from settlement fees to title insurance.

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Individual retirement accounts, or IRAs, are a great way to build financial security for you and your family. They’re easy to open and our simple strategy helps you make all the right decisions now, and in the years ahead.

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Rural USDA Home Loan, Rural Housing Loan Service Center for USDA guaranteed home loan purchase

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RANLife is a USDA, FHA, VA FNMA and FHLMC approved lender.

RANLife is not affiliated with USDA or any other government entity.

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RANLife Rural Housing Loan Service Center

The USDA Guaranteed Loan Program is a federal program offered through the United States Department of Agriculture. Rural Housing through the USDA program provides a number of homeownership opportunities to rural Americans, as well as programs for home renovation and repair. This is an excellent product and benefit for those individuals that qualify. Rural Housing also offers 100% financing opportunities for those who qualify.

Rural Housing loans are now easier to qualify and are a financially secure option for home financing regardless of your situation.

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Common USDA Qustions

  • Does an USDA Home Loan have mortgage insurance?
  • How much can I borrow on a USDA Loan?
  • How can I determine if I qualify for a USDA Home Loan?
  • What are my USDA refinancing options?


**NOTICE A70: RANLife Home Loans is funding the USDA Pilot Program. This program allows you to skip a mortgage payment, lower your interest rate by more than a percentage point, and you don’t have to get a home appraisal. Call a representative to see if you qualify 800.461.4152.**

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There are several advantages to using USDA’s Home Loan Program.

  • USDA 100% Financing
  • Low Monthly Mortgage Insurance(MI)with a USDA loan
  • Low USDA Mortgage Interest Rates
  • USDA Low Closing Costs
  • USDA Zero Down Payment.
  • Easy Credit Qualifying with USDA
  • Never a Pre-payment Penalty with USDA

Thinking of Buying a Rural Home?

Did You Know?

Did you know that even with the advent of a low monthly mip premium usda payments are still significantly lower than an FHA loan that has a minimum of a 3.5% down payment?

USDA Rural Home Purchase?

Whether you are buying your first home or looking to move up the USDA Home Loan Purchase Program is one of the best purchase programs available today for our rural communities. Click on the USDA Purchase Application to see if you qualify.

USDA Rural Home Refinance?

If you bought your home through a USDA home purchase program then you are eligible for a USDA home streamline refinance. Call a program representative at 800.461.4152, or fill out the quick online refinance application on the left, to see if you home qualifies.

**NOTICE B68: RANLife Home Loans is still funding USDA Home Purchase Loans. Call a representative to see if you qualify 800.461.4152.**2.07.2013

**NOTICE C68: RANLife Home Loans continues to lock USDA Refinance Loans. Call a representative to see if you qualify 800.461.4152.**2.07.2013

**NOTICE B43: RANLife Home Loans still allows the funding of a USDA renovation loan. Call a representative to see if you qualify 800.461.4152.**02.09.2012

**NOTICE B41: Major Lenders will stop funding USDA Loans over the next few of months. RANLife Rural Home Loan will continue to fund USDA Home Loans. In 2010 most lenders stopped funding USDA Loans during October, November and December. In 2010 RANLife never stopped funding its USDA Loan Program. Call a representative to see if you qualify 800.461.4152.12.1.11**

*NOTICE C10: USDA Monthly MIP. If you don’t have a conditional commitment from USDA by 9/30/2011 you will be forced to have monthly mortgage insurance on your USDA Loan. RANLife can close your home purchase loan fast. Call a RANLife Rural Home Loans representative to get your USDA loan expedited today.7.1.11**

**NOTICE A40: USDA will be changing its USDA eligible areas based on the new 2010 census bureau. Does your area now qualify? Is your area going to be discontinued from the USDA guarantee? Call a RANLife Rural Home Loans representative to see if your area will still qualify.1.11**

**NOTICE A30: RANLife Rural Home Loans is now offering a USDA Renovation Loan. Now you can obtain financing and include home improvements into one USDA Home Loan.**

**NOTICE A20.1: As the mortgage lending industry continues to stop and start USDA funding RANLife Rural Home Loans has maintained funding for USDA Rural Housing Purchase Loans throughout the entire year of 2010 and is committed to providing USDA home loan funding throughout 2011.**

**NOTICE B40: RANLife Rural Home loans has continued to fund the refinancing of USDA Home Loans. Call a representative to see if you qualify 800.461.4152.**

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Freddie Mac surveys lenders each week on the rates, fees and points for the most popular mortgage products. Average Mortgage Rates as of November 16, 2017

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Mortgage Calculator

Calculate your monthly mortgage payment using the free calculator below. A house is the largest purchase most of us will ever make so it’s important to calculate what your mortgage payment will be and how much you can afford. Estimate your monthly payments and see the effect of adding extra payments.

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About our Mortgage Rate Tables

About our Mortgage Rate Tables: The above mortgage loan information is provided to, or obtained by, Bankrate. Some lenders provide their mortgage loan terms to Bankrate for advertising purposes and Bankrate receives compensation from those advertisers (our “Advertisers”). Other lenders’ terms are gathered by Bankrate through its own research of available mortgage loan terms and that information is displayed in our rate table for applicable criteria. In the above table, an Advertiser listing can be identified and distinguished from other listings because it includes a “Next” button that can be used to click-through to the Advertiser’s own website or a phone number for the Advertiser.

Availability of Advertised Terms: Each Advertiser is responsible for the accuracy and availability of its own advertised terms. Bankrate cannot guaranty the accuracy or availability of any loan term shown above. However, Bankrate attempts to verify the accuracy and availability of the advertised terms through its quality assurance process and requires Advertisers to agree to our Terms and Conditions and to adhere to our Quality Control Program. Click here for rate criteria by loan product.

Loan Terms for Customers: Advertisers may have different loan terms on their own website from those advertised through To receive the rate, you must identify yourself to the Advertiser as a customer. This will typically be done by phone so you should look for the Advertiser’s phone number when you click-through to their website. In addition, credit unions may require membership.

Loans Above $424,100 May Have Different Loan Terms: If you are seeking a loan for more than $424,100, lenders in certain locations may be able to provide terms that are different from those shown in the table above. You should confirm your terms with the lender for your requested loan amount.

Taxes and Insurance Excluded from Loan Terms: The loan terms (APR and Payment examples) shown above do not include amounts for taxes or insurance premiums. Your monthly payment amount will be greater if taxes and insurance premiums are included.

Consumer Satisfaction: If you have used and have not received the advertised loan terms or otherwise been dissatisfied with your experience with any Advertiser, we want to hear from you. Please click here to provide your comments to Bankrate Quality Control.

Mortgage Calculator Help

Using an online mortgage calculator can help you quickly and accurately predict your monthly mortgage payment with just a few pieces of information. It can also show you the total amount of interest you’ll pay over the life of your mortgage. To use this calculator, you’ll need the following information:

The dollar amount you expect to pay for a home.

The down payment is money you give to the home’s seller. At least 20% down typically lets you avoid mortgage insurance.

If you’re getting a mortgage to buy a new home, you can find this number by subtracting your down payment from the home’s price. If you’re refinancing, this number will be the outstanding balance on your mortgage.

Mortgage Term (Years)

This is the length of the mortgage you’re considering. For example, if you’re buying new, you may choose a mortgage loan that lasts 30 years. On the other hand, a homeowner who is refinancing may opt of a loan that lasts 15 years.

Estimate the interest rate on a new mortgage by checking Bankrate’s mortgage rate tables for your area. Once you have a projected rate (your real-life rate may be different depending on your overall credit picture) you can plug it into the calculator.

Mortgage Start Date

Select the month, day and year when your mortgage payments will start.

Mortgage Calculator: Alternative Use

Most people use a mortgage calculator to estimate the payment on a new mortgage, but it can be used for other purposes, too. Here are some other uses:

1. Planning to pay off your mortgage early.

Use the “Extra payments” functionality of Bankrate’s mortgage calculator to find out how you can shorten your term and net big savings by paying extra money toward your loan’s principal each month, every year or even just one time.

To calculate the savings, click “Show Amortization Schedule” and enter a hypothetical amount into one of the payment categories (monthly, yearly or one-time) and then click “Apply Extra Payments” to see how much interest you’ll end up paying and your new payoff date.

2. Decide if an ARM is worth the risk.

The lower initial interest rate of an adjustable-rate mortgage, or ARM, can be tempting. But while an ARM may be appropriate for some borrowers, others may find that the lower initial interest rate won’t cut their monthly payments as much as they think.

To get an idea of how much you’ll really save initially, try entering the ARM interest rate into the mortgage calculator, leaving the term as 30 years. Then, compare those payments to the payments you get when you enter the rate for a conventional 30-year fixed mortgage. Doing so may confirm your initial hopes about the benefits of an ARM — or give you a reality check about whether the potential plusses of an ARM really outweigh the risks.

3. Find out when to get rid of private mortgage insurance.

You can use the mortgage calculator to determine when you’ll have 20 percent equity in your home. This percentage is the magic number for requesting that a lender wave private mortgage insurance requirement.

Simply enter in the original amount of your mortgage and the date you closed, and click “Show Amortization Schedule.” Then, multiply your original mortgage amount by 0.8 and match the result to the closest number on the far-right column of the amortization table to find out when you’ll reach 20 percent equity.

Mortgage Payment Calculator –, how to calculate a mortgage payment.#How #to #calculate #a #mortgage #payment

Mortgage Payment Calculator

Use our mortgage loan calculator to determine the monthly payments for any fixed-rate loan. Just enter the amount and terms, and our mortgage calculator does the rest. Click on “Show Amortization” Table to see how much interest you’ll pay each month and over the lifetime of the loan. The mortgage loan calculator will also show how extra payments can accelerate your payoff and save thousands in interest charges.

Amortization Table

How to calculate a mortgage payment

How to calculate a mortgage payment

How to calculate a mortgage payment

How to calculate a mortgage payment

Whether you’re buying a new home or refinancing, our mortgage calculator can do the math for you. Simply enter the amount, term and interest rate to get your monthly payment amount. If you’re refinancing, enter the current balance on your mortgage into the loan amount section and input the new term and new rate that you’ll receive. Then click on the amortization table to see how much interest you’ll pay over the life of the loan. Add extra payments to find out how they can put your payoff schedule on the fast-track and save you thousands.

Keep in mind that this calculator only calculates the mortgage payment. It does not include taxes, insurance or other fees included in the purchase of your home.

Loan amount: The amount of money you’re borrowing. It’s the cost of your new home minus the down payment if you’re buying or the balance on your existing mortgage if refinancing.

Interest rate: The exact rate you will receive on your loan, not the APR.

Loan term: The length of time you have to pay off your loan (30- and 15-year fixed-rate loans are common terms).

Amortization table: Timetable detailing each monthly payment of a mortgage. Details include the payment, principal paid, interest paid, total interest paid and current balance for each payment period.

Monthly extra payment: Extra amount added to each monthly payment to reduce loan length and interest paid.

Yearly extra payment: Extra amount paid each year to reduce loan length and interest paid.

One-time extra payment: Extra amount added once to reduce loan length and interest paid.

How to calculate a mortgage payment