Mortgage Calculators - InTouch Credit Union
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Mortgage Calculators

A Calculator Suite for Your Real Estate Financing Needs

Mortgages can be large and complex, but InTouch Credit Union offers these financial tools to answer a variety of your most pressing questions. By inputting what you know, you can generate precise estimates to test your ideas and plans to inform your decision-making. Whether you are questioning the baseline affordability of a home or considering the type of mortgage that is best for your budget, InTouch Credit Union wants you to be able to start the home-buying process on the right foot.

Mortgage Payment Breakdown

Becoming a homeowner costs more than just making monthly payments to pay off your mortgage. Take into consideration other expenses that go beyond principal and interest like property taxes and HOA fees. Learn how they factor into your monthly cost and see a breakdown over your loan term.

What Does My Mortgage Payoff Schedule Look Like?

Additional Home Financing Calculators

Buy or Rent

Should you commit to becoming a homeowner or live as a renter? Compare the costs between these two lifestyles to help you make a better financial choice.

Should I Buy or Rent a Home?

Proceeds from the Sale of a Home

Selling your home does not mean you pocket all the money because you need to fulfill a number of financial obligations first. Calculate an estimate of how much you will make if you sold your home.

How Much Will I Make From Selling My Home?

Home Affordability

Understanding the ratios that can limit your purchasing power for a new home can help you see what “affordable” really means. Learn how three key ratios play into your ability to obtain a mortgage.

What are My Limiting Factors in Obtaining a Mortgage?

Compare Two Mortgage Loans

Since mortgages are long-term loans for one of the most important purchases of your life, it is essential you weigh your options before choosing.

How Will Different Mortgages Affect Me?

Adjustable Rate Mortgage Analyzer

While adjustable rate mortgages can be a good deal, they depend on several factors. See how the terms of an ARM and the anticipated future direction of interest rates change your potential total payment over time.

How Will an Adjustable Rate Mortgage Impact Me?

Refinancing a Mortgage

When interest rates dip, the temptation to refinance your mortgage is real. Factor in the costs of refinancing over the life of your mortgage and estimate the break-even point.

Should I Refinance My Mortgage?

A Bi-Weekly Mortgage or a Monthly Mortgage

Making bi-weekly payments on your mortgage effectively shaves off time and interest but before you choose this option, calculate if a different payment schedule fits your budget better.

How Will Different Payment Schedules Affect My Mortgage?

Debt-to-Income Ratio

The lower your debt-to-income ratio, the greater potential that you will be able to meet your monthly payments. Learn how a mortgage will impact your debt-to-income ratio.

What is My Debt-to-Income Ratio?

You Don’t Have to Make Your Decisions Alone

A home is typically the biggest purchase we ever make in our lives. When undergoing this journey, having reliable information makes all the difference in moving forward confidently. These estimates cannot answer every question nor anticipate everyone’s financial needs, but your trusted financial partners at InTouch Credit Union are here to help.

If you have further questions or need more information, we invite you to work with one of our professional mortgage loan officers. These home financing experts can help answer your questions and provide personalized estimates.

Meet the ITCU Mortgage Loan Team!

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