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Mortgage Calculators
Whether you are exploring the benefits of buying vs. renting, trying to determine how much taxes you can save, finding out how much home you can afford, or deciding which loan can best help you consolidate debt, our robust and easy-to-use loan calculators can help inform your decision-making process.
And, as always, our Stearns Loan Specialists are available to answer any of your questions to help determine the best solution for you.
Home Equity Calculators
Personal Debt Consolidation – Should you consolidate your debt? This calculator is designed to help determine whether debt consolidation is right for you. Enter your credit cards, auto loans and other installment loan balances to create a loan that will work within your budget.
ARM vs. Fixed Rate Mortgage – A fixed rate mortgage has the same payment for the entire term of the loan. Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest-Only ARM.
Equity Line of Credit Calculator – For a ten year draw period, this calculator helps determine both your interest only payments and the impact of choosing to make additional principal payments.
Mortgage Refinance Calculators
Mortgage Qualifier – The first step in buying a house is determining your budget. This calculator walks you through the process of identifying how much you can qualify to borrow.
Fixed Rate Mortgage vs. Interest Only Mortgage – A fixed rate mortgage has the same payment for the entire term of the loan. Use this calculator to compare a fixed rate mortgage to interest-only mortgage.
Blended Rate Mortgage Calculator – This calculator helps you determine the effective, or blended, interest rate you would pay if you use a first and a second mortgage to finance the purchase of your home.
Personal Debt Consolidation – This calculator is designed to help determine whether debt consolidation is right for you. Enter your credit cards, auto loans and other installment loan balances to create a loan that will work within your budget.
Mortgage Loan Calculator – Use this calculator to generate an amortization schedule for your current mortgage. Quickly see how much interest you will pay and your principal balances. You can even determine the impact of any principal prepayments.
Home Purchase Calculators
Mortgage Qualifier – This calculator helps you determine how much you can qualify to borrow. This is an excellent calculator to use when identifying your budget.
ARM vs. Fixed Rate Mortgage – Use this calculator to compare a fixed rate mortgage to two types of Adjustable Rate Mortgages, a Fully Amortizing ARM and an Interest-Only ARM.
Mortgage Tax Savings Calculator – Use this calculator to determine how much you could save in income taxes.
Mortgage Loan Calculator – Use this calculator to generate an amortization schedule for your current mortgage. Quickly see how much interest you will pay and your principal balances. You can even determine the impact of any principal prepayments.
Rent vs. Buy – Should you rent or should you buy your home? This calculator helps you understand the fees, taxes, and monthly payments to help you make a good financial decision.
Personal Debt Consolidation – This calculator is designed to help determine whether debt consolidation is right for you. Enter your credit cards, auto loans and other installment loan balances to create a loan that will work within your budget.
Debt Consolidation Calculators
Personal Debt Consolidation – This calculator is designed to help determine whether debt consolidation is right for you. Enter your credit cards, auto loans and other installment loan balances to create a loan that will work within your budget.
