Refinance Decision Making Calculator*
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Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.

This calculator will assist you in your purchasing options. Call your Loan Officer for current rates and/or assistance.

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First Name: 
Last Name: 
Client Password: (Optional)
  
Email: (optional) 
Loan Officer: (Required) 
Calculation Title/Name: (optional) 
Property Address: (optional) 
Property City State Zip: (optional) 
Residency: 
Compare Interest Totals at these levels: (optional) 
1 Years 3 Years 5 Years 7 Years 10 Years 15 Years
Current Program
Program: 
Alternate Loan Term-In Months (optional):   =  Years
Interest Only (IO) Program:  IO Term: 
Interest Only (IO) # of Payments Made: 
Note: This calculator currently does NOT calculate extra principal payments for the current program.
Only needed if # of Payments < IO Term
Interest Rate: (Initial Rate for Arms) 
Original Purchase Price/Value: 
Original Loan Amount: 
Current P&I:  (Requires Rate & P&I)
Private Mortgage Insurance (monthly amount): 
Previous Close Date: 
Arm Caps (Initial/standard/lifetime): 
Index: 
Margin: 
ARM Floor: 
Estimated Home Value: 
Current Loan Balance: 
Payoff Amount:  (Used for Cash to Close)
Monthly Payment of Other Debt being Paid Off: 
Extra Payment: 
1-Time Period One-Time   Monthly 
Dollar   Percent*LA 
Second Mortgage Program: 
Second Mtg Interest Rate: 
Original Second Loan Amount 
% of Orig Sales Price $ Amount
Current Second Loan Amount Balance 
 (Not Required)
OR Current Second Term Remaining 
 months (Not Required)
New Program   
New Loan Amount: 
Dollar Amount 
LTV Percentage of Estimated Home Value 
Calculated Loan Amount:
Est. Closing Costs:(+)  ^ APR Costs
Display PITI: 
   No      Yes
Taxes:    = /Month
Homeowners Insurance:  
Home Association Fee:  
Display Estimated Cash to Close: 
   No      Yes
Payoff - Loan Amount Difference:(+) 
Extra Principal($):(+) 
Points($):(+)  ^ APR Costs
MI (Borrower Paid)($):(+)  ^ APR Costs
Lender Fees($):(+)  ^ APR Costs (Also see Est. Closing Costs above.)
Title Fees($):(+) 
Prepaid Interest($):(+)  Days $ Int per Day ^ APR Costs
Tax Escrow($):(+)  Months Auto:
Prepaid Insurance($):(+)  Months Auto:
Escrows Other($):(+) 
Other :(+) 
Total Estimated Cash to Close($): 
Program: 
Program Description: (optional) 
Alternate Loan Term-In Months(optional):   =  Years
Interest Only (IO) Program:  IO Term: 
Interest Rate: 
P&I: 
Points: 
% (times loan amount)     $ 
Borrower Paid MI: (Conv)  %   Financed
FHA UFMIP Factor/VA Funding Fee/USDA Annual Fee 
Calculate Mortgage Insurance: (if required) 
Manual MI Rate:
Arm Caps (Initial/standard/lifetime): 
Index: (ARMS Only) 
Margin: (ARMS Only) 
ARM Floor: (ARMS Only) 
Second Mortgage Program: 
Second Mtg Interest Rate: 
Second Loan Amount 
% Est Home Value $ Amount
Display Extra Payment Option: 
   No      Yes
Alternate Program 1   
New Loan Amount: 
Dollar Amount 
LTV Percentage of Estimated Home Value 
   
Calculated Loan Amount:
Est. Closing Costs:(+)  ^ APR Costs
Display PITI:    No      Yes   
Taxes:    = /Month
Homeowners Insurance:  
Home Association Fee:  
Display Estimated Cash to Close: 
   No      Yes
Payoff - Loan Amount Difference:(+) 
Extra Principal($):(+) 
Points($):(+)  ^ APR Costs
MI (Borrower Paid)($):(+)  ^ APR Costs
Lender Fees($):(+)  ^ APR Costs (Also see Est. Closing Costs above.)
Title Fees($):(+) 
Prepaid Interest($):(+)  Days $ Int per Day ^ APR Costs
Tax Escrow($):(+)  Months Auto:
Prepaid Insurance($):(+)  Months Auto:
Escrows Other($):(+) 
Other :(+) 
Total Estimated Cash to Close($): 
Program: 
Program Description: (optional) 
Alternate Loan Term-In Months(optional):   =  Years
Interest Only (IO) Program:  IO Term: 
Interest Rate: 
P&I: 
Points: 
% (times loan amount)     $ 
Borrower Paid MI: (Conv)  %   Financed
FHA UFMIP Factor/VA Funding Fee/USDA Annual Fee 
Calculate Mortgage Insurance: (if required) 
Manual MI Rate:
Optional Extra Payment: 
1-Time Period
One-Time   Monthly 
Dollar   Percent*LA 
Arm Caps (Initial/standard/lifetime): 
Index: (ARMS Only) 
Margin: (ARMS Only) 
ARM Floor: (ARMS Only) 
Second Mortgage Program: 
Second Mtg Interest Rate: 
Second Loan Amount 
% Est Home Value $ Amount
Alternate Program 2   
New Loan Amount: 
Dollar Amount 
LTV Percentage of Estimated Home Value 
   
Calculated Loan Amount:
Est. Closing Costs:(+)  ^ APR Costs
Display PITI: 
   No      Yes   
Taxes:    = /Month
Homeowners Insurance:  
Home Association Fee:  
Display Estimated Cash to Close: 
   No      Yes
Payoff - Loan Amount Difference:(+) 
Extra Principal($):(+) 
Points($):(+)  ^ APR Costs
MI (Borrower Paid)($):(+)  ^ APR Costs
Lender Fees($):(+)  ^ APR Costs (Also see Est. Closing Costs above.)
Title Fees($):(+) 
Prepaid Interest($):(+)  Days $ Int per Day ^ APR Costs
Tax Escrow($):(+)  Months Auto:
Prepaid Insurance($):(+)  Months Auto:
Escrows Other($):(+) 
Other :(+) 
Total Estimated Cash to Close($): 
Program: 
Program Description: (optional) 
Alternate Loan Term-In Months(optional):   =  Years
Interest Only (IO) Program:  IO Term: 
Interest Rate: 
P&I: 
Points: 
% (times loan amount)     $ 
Borrower Paid MI: (Conv)  %   Financed
FHA UFMIP Factor/VA Funding Fee/USDA Annual Fee 
Calculate Mortgage Insurance: (if required) 
Manual MI Rate:
Optional Extra Payment: 
1-Time Period
One-Time   Monthly 
Dollar   Percent*LA 
Arm Caps (Initial/standard/lifetime): 
Index: (ARMS Only) 
Margin: (ARMS Only) 
ARM Floor: (ARMS Only) 
Second Mortgage Program: 
Second Mtg Interest Rate: 
Second Loan Amount 
% Est Home Value $ Amount

Investment Alternative
 
Display Investment Alternative 
 No Yes
Investment Rate Return: 
Options
Display Comparison Information 
 No Yes
Display Life Energy Information 
 No Yes
Pop-up Blocker Enabled? 
 No Yes

     
Click 'Print' to print the above entered values.

* This calculator is not used to quote rates. Closing costs listed are only an estimate.
Please consult a Loan Officer for current rates and closing costs.
^ APR = These line items affect the Annual Percentage Rate.
P&I = Principal + Interest Payment
27755 Diehl Road, Ste. 100, Warrenville, IL 60555
Phone: 630-836-2500 Fax: 630-836-7350
www.compmort.com
NMLS# 21808 – Illinois: MB.0005795, Arizona: 0909436 (dba Compass Mortgage Lending, Inc.), California: 4131332 (dba Compass Mortgage Lending, Inc.), Colorado: 21808 (dba Compass Mortgage Lending, Inc.), Florida: MLD308 (dba Compass Mortgage Lending, Inc.), Georgia: 38332, Indiana: 11020, Iowa: MBK-2001-0104, Michigan: FR022873, Tennessee: 135374, Texas: 21808, Wisconsin: 38296BA/21808BR, Oregon: 21808, Minnesota: MN-MO-21808, Ohio: RM.804327.000, South Carolina: MLS-21808, North Carolina: 20080, Kentucky: MC763652, Washington: CL-21808 NMLS Consumer Access Illinois Residential Mortgage Licensee Licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.
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