{"id":398,"date":"2021-05-13T18:24:16","date_gmt":"2021-05-13T18:24:16","guid":{"rendered":"https:\/\/lowrateco.com\/?page_id=398"},"modified":"2022-08-29T17:33:50","modified_gmt":"2022-08-29T17:33:50","slug":"calculate-payments","status":"publish","type":"page","link":"https:\/\/lowrateco.com\/calculate-payments\/","title":{"rendered":"Calculate Payments"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"398\" class=\"elementor elementor-398\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9f8fd11 elementor-section-content-top elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9f8fd11\" data-element_type=\"section\" 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class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-097a128\" data-id=\"097a128\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-910ee60 elementor-widget elementor-widget-heading\" data-id=\"910ee60\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Mortgage Calculator<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e37a06f elementor-widget elementor-widget-text-editor\" data-id=\"e37a06f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><span style=\"font-weight: 400;\">Estimate Your Monthly Payments<\/span><\/h2><p><span style=\"font-weight: 400;\">Enter details of your home and loan needs here to get estimated monthly payments.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8907ec0 note-card elementor-hidden-tablet elementor-hidden-phone elementor-alert-info elementor-widget elementor-widget-alert\" data-id=\"8907ec0\" data-element_type=\"widget\" data-widget_type=\"alert.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-alert\" role=\"alert\">\n\n\t\t\t\t\t\t<span class=\"elementor-alert-title\">Note<\/span>\n\t\t\t\n\t\t\t\t\t\t<span class=\"elementor-alert-description\">Keep in mind you\u2019ll need to account for property taxes, mortgage and property insurance, and HOA fees when applicable.<\/span>\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section 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class=\"jet-tabs__label-text\">Purchase<\/div><\/div><\/div><div id=\"jet-tabs-control-1872\" class=\"jet-tabs__control jet-tabs__control-icon-left elementor-menu-anchor \" data-tab=\"2\" tabindex=\"0\" role=\"tab\" aria-controls=\"jet-tabs-content-1872\" aria-expanded=\"false\" data-template-id=\"false\"><div class=\"jet-tabs__control-inner\"><div class=\"jet-tabs__label-text\">Refinance<\/div><\/div><\/div>\t\t\t<\/div>\n\t\t\t<div class=\"jet-tabs__content-wrapper\">\n\t\t\t\t<div id=\"jet-tabs-content-1871\" class=\"jet-tabs__content active-content\" data-tab=\"1\" role=\"tabpanel\" aria-hidden=\"false\" data-template-id=\"false\"><p><div class='fluentform ff-default fluentform_wrapper_3 ffs_custom_wrap'><form data-form_id=\"3\" id=\"fluentform_3\" class=\"frm-fluent-form fluent_form_3 ff-el-form-top ff_form_instance_3_1 ff-form-loading ff_calc_form ff_calc_form ff_calc_form ff_calc_form ff_calc_form ff_calc_form ffs_custom\" data-form_instance=\"ff_form_instance_3_1\" method=\"POST\" ><fieldset  style=\"border: none!important;margin: 0!important;padding: 0!important;background-color: transparent!important;box-shadow: none!important;outline: none!important; min-inline-size: 100%;\">\n                    <legend class=\"ff_screen_reader_title\" style=\"display: block; margin: 0!important;padding: 0!important;height: 0!important;text-indent: -999999px;width: 0!important;overflow:hidden;\">LRC Mortgage Calculator &#8211; Main<\/legend><input type='hidden' name='__fluent_form_embded_post_id' value='398' \/><input type=\"hidden\" id=\"_fluentform_3_fluentformnonce\" name=\"_fluentform_3_fluentformnonce\" value=\"5b2aec0a75\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/wp-json\/wp\/v2\/pages\/398\" \/><div class='ff-el-group'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_3_home_price' aria-label=\"Home Price\">Home Price<\/label><\/div><div class='ff-el-input--content'><div class=\"ff_input-group\"><div class=\"ff_input-group-prepend\"><span class=\"ff_input-group-text\">$<\/span><\/div><input type=\"text\" name=\"home_price\" value=\"120000\" id=\"ff_3_home_price\" class=\"ff-el-form-control  ff_numeric\" data-name=\"home_price\" inputmode=\"numeric\" step=\"any\" data-formatter=\"{&quot;decimal&quot;:&quot;.&quot;,&quot;separator&quot;:&quot;,&quot;,&quot;precision&quot;:0,&quot;symbol&quot;:&quot;&quot;}\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><div data-name=\"ff_cn_id_1\"  class='ff-t-container ff-column-container ff_columns_total_1 downpayment-group '><div class='ff-t-cell ff-t-column-1' style='flex-basis: 100%;'><div class='ff-el-group lrc-input-slider-wrapper'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_3_down_payment' aria-label=\"Down Payment\">Down Payment<\/label><\/div><div class='ff-el-input--content'><div class='ff_slider_wrapper'><input name=\"down_payment\" class=\"ff-el-form-control lrc-input-slider\" value=\"20\" min=\"5\" max=\"90\" type=\"range\" data-name=\"down_payment\" id=\"ff_3_down_payment\" data-default_value=\"20\" step=\"0.1\" data-calc_value=\"20\"  aria-invalid='false' aria-required=false\/><div class='ff_range_value'>20<\/div><\/div><\/div><\/div><div class='ff-el-group ff-el-form-hide_label lrc-slider-value-wrapper'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_3_down_payment_value' aria-label=\"Down Payment ($)\">Down Payment ($)<\/label><\/div><div class='ff-el-input--content'><div class=\"ff_input-group\"><input type=\"text\" name=\"down_payment_value\" id=\"ff_3_down_payment_value\" class=\"ff-el-form-control lrc-slider-value-input ff_has_formula ff_numeric\" data-name=\"down_payment_value\" data-calculation_formula=\"{input.home_price} * ({input.down_payment} \/ 100)\" readonly=\"1\" data-formatter=\"{&quot;decimal&quot;:&quot;.&quot;,&quot;separator&quot;:&quot;,&quot;,&quot;precision&quot;:2,&quot;symbol&quot;:&quot;&quot;}\"  aria-invalid=\"false\" aria-required=false><div class=\"ff_input-group-append\"><span class=\"ff_input-group-text\">$<\/span><\/div><\/div><\/div><\/div><\/div><\/div><div class='ff-el-group'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_3_interest_rate' aria-label=\"Interest Rate\">Interest Rate<\/label><\/div><div class='ff-el-input--content'><div class=\"ff_input-group\"><input type=\"text\" name=\"interest_rate\" value=\"3\" id=\"ff_3_interest_rate\" class=\"ff-el-form-control  ff_numeric\" data-name=\"interest_rate\" inputmode=\"numeric\" step=\"any\" data-formatter=\"{&quot;decimal&quot;:&quot;.&quot;,&quot;separator&quot;:&quot;,&quot;,&quot;precision&quot;:2,&quot;symbol&quot;:&quot;&quot;}\"  aria-invalid=\"false\" aria-required=false><div class=\"ff_input-group-append\"><span class=\"ff_input-group-text\">%<\/span><\/div><\/div><\/div><\/div><div class='ff-el-group'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_3_loan_term' aria-label=\"Term\">Term<\/label><\/div><div class='ff-el-input--content'><select name=\"loan_term\" id=\"ff_3_loan_term\" class=\"ff-el-form-control\" data-name=\"loan_term\" data-calc_value=\"0\"  aria-invalid=\"false\" aria-required=false><option value=\"\">&#8211; Select &#8211;<\/option><option data-calc_value=\"15\" data-custom-properties=\"15\" value=\"15 years\"  >15 years<\/option><option data-calc_value=\"30\" data-custom-properties=\"30\" value=\"30 years\"  selected>30 years<\/option><\/select><\/div><\/div><div class=\"ff-el-group ff-el-section-break break-break ff_center\" data-name=\"section_break-3_1\" ><h3 class='ff-el-section-title'><\/h3><div class='ff-section_break_desk'><\/div><hr \/><\/div><div data-name=\"ff_cn_id_2\"  class='ff-t-container ff-column-container ff_columns_total_2 payment_summary '><div class='ff-t-cell ff-t-column-1' style='flex-basis: 50%;'><div class='ff-el-group payment_summary_value_wrapper'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_3_loan_amount' aria-label=\"Total Principal Paid\">Total Principal Paid<\/label><\/div><div class='ff-el-input--content'><div class=\"ff_input-group\"><div class=\"ff_input-group-prepend\"><span class=\"ff_input-group-text\">$<\/span><\/div><input type=\"text\" name=\"loan_amount\" value=\"0\" id=\"ff_3_loan_amount\" class=\"ff-el-form-control payment_summary_value ff_has_formula ff_numeric\" data-name=\"loan_amount\" data-calculation_formula=\"{input.home_price} - ({input.home_price} * ({input.down_payment} \/ 100)\" readonly=\"1\" data-formatter=\"{&quot;decimal&quot;:&quot;.&quot;,&quot;separator&quot;:&quot;,&quot;,&quot;precision&quot;:2,&quot;symbol&quot;:&quot;&quot;}\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><\/div><div class='ff-t-cell ff-t-column-2' style='flex-basis: 50%;'><div class='ff-el-group payment_summary_value_wrapper'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_3_total_loan_value' aria-label=\"Total\">Total<\/label><\/div><div class='ff-el-input--content'><div class=\"ff_input-group\"><div class=\"ff_input-group-prepend\"><span class=\"ff_input-group-text\">$<\/span><\/div><input type=\"text\" name=\"total_loan_value\" value=\"0\" id=\"ff_3_total_loan_value\" class=\"ff-el-form-control payment_summary_value ff_has_formula ff_numeric\" data-name=\"total_loan_value\" data-calculation_formula=\"({input.monthly_repayment} * 12) * {select.loan_term}\" readonly=\"1\" data-formatter=\"{&quot;decimal&quot;:&quot;.&quot;,&quot;separator&quot;:&quot;,&quot;,&quot;precision&quot;:2,&quot;symbol&quot;:&quot;&quot;}\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><\/div><\/div><div data-name=\"ff_cn_id_3\"  class='ff-t-container ff-column-container ff_columns_total_2 payment_summary '><div class='ff-t-cell ff-t-column-1' style='flex-basis: 50%;'><div class='ff-el-group payment_summary_value_wrapper'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_3_total_interest' aria-label=\"Interest Paid\">Interest Paid<\/label><\/div><div class='ff-el-input--content'><div class=\"ff_input-group\"><div class=\"ff_input-group-prepend\"><span class=\"ff_input-group-text\">$<\/span><\/div><input type=\"text\" name=\"total_interest\" value=\"0\" id=\"ff_3_total_interest\" class=\"ff-el-form-control payment_summary_value ff_has_formula ff_numeric\" data-name=\"total_interest\" data-calculation_formula=\"{input.total_loan_value} - {input.loan_amount}\" readonly=\"1\" data-formatter=\"{&quot;decimal&quot;:&quot;.&quot;,&quot;separator&quot;:&quot;,&quot;,&quot;precision&quot;:2,&quot;symbol&quot;:&quot;&quot;}\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><\/div><div class='ff-t-cell ff-t-column-2' style='flex-basis: 50%;'><div class='ff-el-group payment_summary_value_wrapper'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_3_monthly_repayment' aria-label=\"Est. monthly repayment\">Est. monthly repayment<\/label><\/div><div class='ff-el-input--content'><div class=\"ff_input-group\"><div class=\"ff_input-group-prepend\"><span class=\"ff_input-group-text\">$<\/span><\/div><input type=\"text\" name=\"monthly_repayment\" value=\"0\" id=\"ff_3_monthly_repayment\" class=\"ff-el-form-control payment_summary_value ff_has_formula ff_numeric\" data-name=\"monthly_repayment\" data-calculation_formula=\"(({input.interest_rate_percent} \/ 12 ) * {input.loan_amount}) \/ (1 - ((1 + ({input.interest_rate_percent} \/ 12 )) ^ (-{select.loan_term} * 12)))\" readonly=\"1\" data-formatter=\"{&quot;decimal&quot;:&quot;.&quot;,&quot;separator&quot;:&quot;,&quot;,&quot;precision&quot;:2,&quot;symbol&quot;:&quot;&quot;}\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><\/div><\/div><input type=\"hidden\" name=\"hidden\" data-name=\"hidden\" ><div class='ff-el-group lrc-hidden-field'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_3_interest_rate_percent' aria-label=\"Interest Rate - Percent\">Interest Rate &#8211; Percent<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"interest_rate_percent\" id=\"ff_3_interest_rate_percent\" class=\"ff-el-form-control  ff_has_formula\" data-name=\"interest_rate_percent\" data-calculation_formula=\"{input.interest_rate} \/ 100\" readonly=\"1\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><div class='ff-el-group ff-text-left  has-conditions ff_submit_btn_wrapper ff_submit_btn_wrapper_custom'><button class=\"ff-btn ff-btn-submit ff-btn-md ff_btn_style wpf_has_custom_css\" type=\"submit\" name=\"custom_submit_button-3_2\" data-name=\"custom_submit_button-3_2\" >Submit<\/button><style>form.fluent_form_3 .wpf_has_custom_css.ff-btn-submit { background-color:#409EFF;border-color:#409EFF;color:#ffffff;min-width:100%; }form.fluent_form_3 .wpf_has_custom_css.ff-btn-submit:hover { background-color:#ffffff;border-color:#409EFF;color:#409EFF;min-width:100%; } <\/style><\/div><\/fieldset><\/form><div id='fluentform_3_errors' class='ff-errors-in-stack ff_form_instance_3_1 ff-form-loading_errors ff_form_instance_3_1_errors'><\/div><\/div>        <script type=\"text\/javascript\">\n            window.fluent_form_ff_form_instance_3_1 = {\"id\":\"3\",\"settings\":{\"layout\":{\"labelPlacement\":\"top\",\"helpMessagePlacement\":\"with_label\",\"errorMessagePlacement\":\"inline\",\"asteriskPlacement\":\"asterisk-right\"},\"restrictions\":{\"denyEmptySubmission\":{\"enabled\":false}}},\"form_instance\":\"ff_form_instance_3_1\",\"form_id_selector\":\"fluentform_3\",\"rules\":{\"home_price\":{\"required\":{\"value\":false,\"message\":\"This field is required\"},\"numeric\":{\"value\":true,\"message\":\"This field must contain numeric value\"},\"min\":{\"value\":\"\",\"message\":\"Minimum value is \"},\"max\":{\"value\":\"\",\"message\":\"Maximum value is \"}},\"down_payment\":{\"required\":{\"value\":false,\"message\":\"This field is required\"}},\"down_payment_value\":{\"required\":{\"value\":false,\"message\":\"This field is required\"},\"numeric\":{\"value\":true,\"message\":\"This field must contain numeric value\"},\"min\":{\"value\":\"\",\"message\":\"Minimum value is \"},\"max\":{\"value\":\"\",\"message\":\"Maximum value is \"}},\"interest_rate\":{\"required\":{\"value\":false,\"message\":\"This field is required\"},\"numeric\":{\"value\":true,\"message\":\"This field must contain numeric value\"},\"min\":{\"value\":\"\",\"message\":\"Minimum value is \"},\"max\":{\"value\":\"\",\"message\":\"Maximum value is \"}},\"loan_term\":{\"required\":{\"value\":false,\"message\":\"This field is required\"}},\"loan_amount\":{\"required\":{\"value\":false,\"message\":\"This field is required\"},\"numeric\":{\"value\":true,\"message\":\"This field must contain numeric value\"},\"min\":{\"value\":\"\",\"message\":\"Minimum value is \"},\"max\":{\"value\":\"\",\"message\":\"Maximum value is \"}},\"total_loan_value\":{\"required\":{\"value\":false,\"message\":\"This field is required\"},\"numeric\":{\"value\":true,\"message\":\"This field must contain numeric value\"},\"min\":{\"value\":\"\",\"message\":\"Minimum value is \"},\"max\":{\"value\":\"\",\"message\":\"Maximum value is \"}},\"total_interest\":{\"required\":{\"value\":false,\"message\":\"This field is required\"},\"numeric\":{\"value\":true,\"message\":\"This field must contain numeric value\"},\"min\":{\"value\":\"\",\"message\":\"Minimum value is \"},\"max\":{\"value\":\"\",\"message\":\"Maximum value is \"}},\"monthly_repayment\":{\"required\":{\"value\":false,\"message\":\"This field is required\"},\"numeric\":{\"value\":true,\"message\":\"This field must contain numeric value\"},\"min\":{\"value\":\"\",\"message\":\"Minimum value is \"},\"max\":{\"value\":\"\",\"message\":\"Maximum value is \"}},\"interest_rate_percent\":{\"required\":{\"value\":false,\"message\":\"This field is required\"},\"numeric\":{\"value\":true,\"message\":\"This field must contain numeric value\"},\"min\":{\"value\":\"\",\"message\":\"Minimum value is \"},\"max\":{\"value\":\"\",\"message\":\"Maximum value is \"}}},\"conditionals\":{\"custom_submit_button-3_2\":{\"type\":\"any\",\"status\":true,\"conditions\":[{\"field\":\"hidden\",\"value\":\"\",\"operator\":\"!=\"}]}}};\n                    <\/script>\n        <\/p><\/div><div id=\"jet-tabs-content-1872\" class=\"jet-tabs__content \" data-tab=\"2\" role=\"tabpanel\" aria-hidden=\"true\" data-template-id=\"false\"><p><div class='fluentform ff-default fluentform_wrapper_6 ffs_custom_wrap'><form data-form_id=\"6\" id=\"fluentform_6\" class=\"frm-fluent-form fluent_form_6 ff-el-form-top ff_form_instance_6_2 ff-form-loading ff_has_dynamic_smartcode ff_calc_form ff_calc_form ff_calc_form ff_calc_form ff_calc_form ff_calc_form ff_calc_form ff_calc_form ff_calc_form ff_calc_form ff_calc_form ff_calc_form ff_calc_form ff_calc_form ff_calc_form ffs_custom\" data-form_instance=\"ff_form_instance_6_2\" method=\"POST\" ><fieldset  style=\"border: none!important;margin: 0!important;padding: 0!important;background-color: transparent!important;box-shadow: none!important;outline: none!important; min-inline-size: 100%;\">\n                    <legend class=\"ff_screen_reader_title\" style=\"display: block; margin: 0!important;padding: 0!important;height: 0!important;text-indent: -999999px;width: 0!important;overflow:hidden;\">LRC Refinance Calculator<\/legend><input type='hidden' name='__fluent_form_embded_post_id' value='398' \/><input type=\"hidden\" id=\"_fluentform_6_fluentformnonce\" name=\"_fluentform_6_fluentformnonce\" value=\"5b2aec0a75\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/wp-json\/wp\/v2\/pages\/398\" \/><div class='ff-el-group  ff-custom_html' data-name=\"custom_html-6_1\" ><p style=\"font-family: Circular Std;font-size: 18px;font-style: normal;font-weight: 400;line-height: 34px;letter-spacing: 0em;text-align: left\">Your Current Loan<\/p><\/div><div data-name=\"ff_cn_id_1\"  class='ff-t-container ff-column-container ff_columns_total_2  '><div class='ff-t-cell ff-t-column-1' style='flex-basis: 50%;'><div class='ff-el-group'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_6_2_old_loan_amount' aria-label=\"Loan Amount\">Loan Amount<\/label><\/div><div class='ff-el-input--content'><div class=\"ff_input-group\"><div class=\"ff_input-group-prepend\"><span class=\"ff_input-group-text\">$<\/span><\/div><input type=\"text\" name=\"old_loan_amount\" value=\"120000\" id=\"ff_6_2_old_loan_amount\" class=\"ff-el-form-control  ff_numeric\" data-name=\"old_loan_amount\" inputmode=\"numeric\" step=\"any\" data-formatter=\"{&quot;decimal&quot;:&quot;.&quot;,&quot;separator&quot;:&quot;,&quot;,&quot;precision&quot;:0,&quot;symbol&quot;:&quot;&quot;}\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><\/div><div class='ff-t-cell ff-t-column-2' style='flex-basis: 50%;'><div class='ff-el-group'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_6_2_old_interest_rate' aria-label=\"Interest Rate\">Interest Rate<\/label><\/div><div class='ff-el-input--content'><div class=\"ff_input-group\"><input type=\"text\" name=\"old_interest_rate\" value=\"3\" id=\"ff_6_2_old_interest_rate\" class=\"ff-el-form-control  ff_numeric\" data-name=\"old_interest_rate\" inputmode=\"numeric\" step=\"any\" data-formatter=\"{&quot;decimal&quot;:&quot;.&quot;,&quot;separator&quot;:&quot;,&quot;,&quot;precision&quot;:2,&quot;symbol&quot;:&quot;&quot;}\"  aria-invalid=\"false\" aria-required=false><div class=\"ff_input-group-append\"><span class=\"ff_input-group-text\">%<\/span><\/div><\/div><\/div><\/div><\/div><\/div><div data-name=\"ff_cn_id_2\"  class='ff-t-container ff-column-container ff_columns_total_2  '><div class='ff-t-cell ff-t-column-1' style='flex-basis: 50%;'><div class='ff-el-group'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_6_2_year_originated' aria-label=\"Year Originated\">Year Originated<\/label><\/div><div class='ff-el-input--content'><input type=\"number\" name=\"year_originated\" value=\"2024\" id=\"ff_6_2_year_originated\" class=\"ff-el-form-control\" data-name=\"year_originated\" inputmode=\"numeric\" step=\"any\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><div class='ff-t-cell ff-t-column-2' style='flex-basis: 50%;'><div class='ff-el-group'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_6_2_old_loan_term' aria-label=\"Loan Term\">Loan Term<\/label><\/div><div class='ff-el-input--content'><select name=\"old_loan_term\" id=\"ff_6_2_old_loan_term\" class=\"ff-el-form-control\" data-name=\"old_loan_term\" data-calc_value=\"0\"  aria-invalid=\"false\" aria-required=false><option value=\"\">&#8211; Select &#8211;<\/option><option data-calc_value=\"15\" data-custom-properties=\"15\" value=\"15 years\"  >15 years<\/option><option data-calc_value=\"30\" data-custom-properties=\"30\" value=\"30 years\"  selected>30 years<\/option><\/select><\/div><\/div><\/div><\/div><div class=\"ff-el-group ff-el-section-break break-break white ff_center\" data-name=\"section_break-6_2\" ><h3 class='ff-el-section-title'><\/h3><div class='ff-section_break_desk'><\/div><hr \/><\/div><div class='ff-el-group  ff-custom_html' data-name=\"custom_html-6_3\" ><p style=\"font-family: Circular Std;font-size: 18px;font-style: normal;font-weight: 400;line-height: 34px;letter-spacing: 0em;text-align: left\">\nYour New Loan<\/p><\/div><div data-name=\"ff_cn_id_3\"  class='ff-t-container ff-column-container ff_columns_total_2  '><div class='ff-t-cell ff-t-column-1' style='flex-basis: 50%;'><div class='ff-el-group'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_6_2_new_interest_rate' aria-label=\"Interest Rate\">Interest Rate<\/label><\/div><div class='ff-el-input--content'><div class=\"ff_input-group\"><input type=\"text\" name=\"new_interest_rate\" value=\"2\" id=\"ff_6_2_new_interest_rate\" class=\"ff-el-form-control  ff_numeric\" data-name=\"new_interest_rate\" inputmode=\"numeric\" step=\"any\" data-formatter=\"{&quot;decimal&quot;:&quot;.&quot;,&quot;separator&quot;:&quot;,&quot;,&quot;precision&quot;:2,&quot;symbol&quot;:&quot;&quot;}\"  aria-invalid=\"false\" aria-required=false><div class=\"ff_input-group-append\"><span class=\"ff_input-group-text\">%<\/span><\/div><\/div><\/div><\/div><\/div><div class='ff-t-cell ff-t-column-2' style='flex-basis: 50%;'><div class='ff-el-group'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_6_2_refinance_cost' aria-label=\"Cost of Refinance\">Cost of Refinance<\/label><\/div><div class='ff-el-input--content'><div class=\"ff_input-group\"><div class=\"ff_input-group-prepend\"><span class=\"ff_input-group-text\">$<\/span><\/div><input type=\"text\" name=\"refinance_cost\" value=\"0\" id=\"ff_6_2_refinance_cost\" class=\"ff-el-form-control  ff_numeric\" data-name=\"refinance_cost\" inputmode=\"numeric\" step=\"any\" data-formatter=\"{&quot;decimal&quot;:&quot;.&quot;,&quot;separator&quot;:&quot;,&quot;,&quot;precision&quot;:2,&quot;symbol&quot;:&quot;&quot;}\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><\/div><\/div><div data-name=\"ff_cn_id_4\"  class='ff-t-container ff-column-container ff_columns_total_2  '><div class='ff-t-cell ff-t-column-1' style='flex-basis: 50%;'><div class='ff-el-group'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_6_2_new_loan_term' aria-label=\"Loan Term\">Loan Term<\/label><\/div><div class='ff-el-input--content'><select name=\"new_loan_term\" id=\"ff_6_2_new_loan_term\" class=\"ff-el-form-control\" data-name=\"new_loan_term\" data-calc_value=\"0\"  aria-invalid=\"false\" aria-required=false><option value=\"\">&#8211; Select &#8211;<\/option><option data-calc_value=\"15\" data-custom-properties=\"15\" value=\"15 years\"  >15 years<\/option><option data-calc_value=\"30\" data-custom-properties=\"30\" value=\"30 years\"  selected>30 years<\/option><\/select><\/div><\/div><\/div><div class='ff-t-cell ff-t-column-2' style='flex-basis: 50%;'><\/div><\/div><div class=\"ff-el-group ff-el-section-break break-break white ff_center\" data-name=\"section_break-6_4\" ><h3 class='ff-el-section-title'><\/h3><div class='ff-section_break_desk'><\/div><hr \/><\/div><div class='ff-el-group  ff-custom_html' data-name=\"custom_html-6_5\" ><div class=\"comparison-wrapper\">\n<div class=\"comparison-title\">\n<p>Loan comparison<\/p>\n<span class=\"tag\"> Current Loan <span class=\"vs\">Vs<\/span> New Loan<\/span><\/div>\n<p class=\"pending-term\"><span class=\"ff_dynamic_value\" data-ref=\"remaining_term\" data-fallback=\"\"><\/span><\/p><\/div><\/div><div class='ff-el-group  ff-custom_html comparison-table' data-name=\"custom_html-6_6\" ><div class=\"tg-wrap\">\n<table class=\"tg\">\n<thead>\n<tr>\n<th class=\"tg-0lax\">\u00a0<\/th>\n<th class=\"tg-0lax\">Current Loan<\/th>\n<th class=\"tg-0lax\">New Loan<\/th>\n<th class=\"tg-0lax\">Savings<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td class=\"tg-0lax\">Monthly Amount (gross before taxes)<\/td>\n<td class=\"tg-0lax\">$<span class=\"ff_dynamic_value\" data-ref=\"old_monthly_repayment\" data-fallback=\"\"><\/span><\/td>\n<td class=\"tg-0lax\">$<span class=\"ff_dynamic_value\" data-ref=\"new_monthly_repayment\" data-fallback=\"\"><\/span><\/td>\n<td class=\"tg-0lax\">$<span class=\"ff_dynamic_value\" data-ref=\"repayment_savings\" data-fallback=\"\"><\/span><\/td>\n<\/tr>\n<tr>\n<td class=\"tg-0lax\">Interest payment (net after taxes)<\/td>\n<td class=\"tg-0lax\">$<span class=\"ff_dynamic_value\" data-ref=\"old_monthly_interest\" data-fallback=\"\"><\/span><\/td>\n<td class=\"tg-0lax\">$<span class=\"ff_dynamic_value\" data-ref=\"new_monthly_interest\" data-fallback=\"\"><\/span><\/td>\n<td class=\"tg-0lax\">$<span class=\"ff_dynamic_value\" data-ref=\"interest_savings\" data-fallback=\"\"><\/span><\/td>\n<\/tr>\n<tr>\n<td class=\"tg-0lax\">Cost of refinance (net after taxes)<\/td>\n<td class=\"tg-0lax\">$0.00<\/td>\n<td class=\"tg-0lax\">$<span class=\"ff_dynamic_value\" data-ref=\"refinance_cost\" data-fallback=\"\"><\/span><\/td>\n<td class=\"tg-0lax\">&#8211; $<span class=\"ff_dynamic_value\" data-ref=\"refinance_cost\" data-fallback=\"\"><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div><\/div><input type=\"hidden\" name=\"hidden\" data-name=\"hidden\" ><div class='ff-el-group ff-text-left  has-conditions ff_submit_btn_wrapper ff_submit_btn_wrapper_custom'><button class=\"ff-btn ff-btn-submit ff-btn-md ff_btn_style wpf_has_custom_css\" type=\"submit\" name=\"custom_submit_button-6_7\" data-name=\"custom_submit_button-6_7\" >Submit<\/button><style>form.fluent_form_6 .wpf_has_custom_css.ff-btn-submit { background-color:#409EFF;border-color:#409EFF;color:#ffffff;min-width:100%; }form.fluent_form_6 .wpf_has_custom_css.ff-btn-submit:hover { background-color:#ffffff;border-color:#409EFF;color:#409EFF;min-width:100%; } <\/style><\/div><div class='ff-el-group lrc-hidden-field'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_6_2_old_interest_rate_percent' aria-label=\"Old Interest Rate - Percent\">Old Interest Rate &#8211; Percent<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"old_interest_rate_percent\" id=\"ff_6_2_old_interest_rate_percent\" class=\"ff-el-form-control  ff_has_formula\" data-name=\"old_interest_rate_percent\" data-calculation_formula=\"{input.old_interest_rate} \/ 100\" readonly=\"1\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><div class='ff-el-group lrc-hidden-field'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_6_2_new_interest_rate_percent' aria-label=\"New Interest Rate - Percent\">New Interest Rate &#8211; Percent<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"new_interest_rate_percent\" id=\"ff_6_2_new_interest_rate_percent\" class=\"ff-el-form-control  ff_has_formula\" data-name=\"new_interest_rate_percent\" data-calculation_formula=\"{input.new_interest_rate} \/ 100\" readonly=\"1\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><div class='ff-el-group lrc-hidden-field'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_6_2_current_year' aria-label=\"Current Year\">Current Year<\/label><\/div><div class='ff-el-input--content'><input type=\"number\" name=\"current_year\" value=\"2024\" id=\"ff_6_2_current_year\" class=\"ff-el-form-control\" data-name=\"current_year\" inputmode=\"numeric\" step=\"any\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><div class='ff-el-group lrc-hidden-field'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_6_2_term_passed' aria-label=\"Term Passed\">Term Passed<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"term_passed\" id=\"ff_6_2_term_passed\" class=\"ff-el-form-control  ff_has_formula\" data-name=\"term_passed\" data-calculation_formula=\"{input.current_year} - {input.year_originated}\" readonly=\"1\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><div class='ff-el-group lrc-hidden-field'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_6_2_remaining_term' aria-label=\"Remaining Term\">Remaining Term<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"remaining_term\" value=\"0\" id=\"ff_6_2_remaining_term\" class=\"ff-el-form-control  ff_has_formula\" data-name=\"remaining_term\" data-calculation_formula=\"{select.old_loan_term} - {input.term_passed}\" readonly=\"1\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><div class='ff-el-group lrc-hidden-field'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_6_2_new_principal' aria-label=\"New Principal\">New Principal<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"new_principal\" id=\"ff_6_2_new_principal\" class=\"ff-el-form-control  ff_has_formula\" data-name=\"new_principal\" data-calculation_formula=\"(1 - ({input.term_passed} \/ {select.old_loan_term})) * {input.old_loan_amount}\" readonly=\"1\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><div class='ff-el-group lrc-hidden-field'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_6_2_old_monthly_principal' aria-label=\"Old Monthly Principal\">Old Monthly Principal<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"old_monthly_principal\" id=\"ff_6_2_old_monthly_principal\" class=\"ff-el-form-control  ff_has_formula\" data-name=\"old_monthly_principal\" data-calculation_formula=\"({input.old_loan_amount} \/ {select.old_loan_term}) \/ 12\" readonly=\"1\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><div class='ff-el-group lrc-hidden-field'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_6_2_new_monthly_principal' aria-label=\"New Monthly Principal\">New Monthly Principal<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"new_monthly_principal\" id=\"ff_6_2_new_monthly_principal\" class=\"ff-el-form-control  ff_has_formula\" data-name=\"new_monthly_principal\" data-calculation_formula=\"({input.new_loan_amount} \/ {select.new_loan_term}) \/ 12\" readonly=\"1\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><div class='ff-el-group lrc-hidden-field'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_6_2_old_monthly_interest' aria-label=\"Old Monthly Interest\">Old Monthly Interest<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"old_monthly_interest\" id=\"ff_6_2_old_monthly_interest\" class=\"ff-el-form-control  ff_has_formula ff_numeric\" data-name=\"old_monthly_interest\" data-calculation_formula=\"{input.old_monthly_repayment} - {input.old_monthly_principal}\" readonly=\"1\" data-formatter=\"{&quot;decimal&quot;:&quot;.&quot;,&quot;separator&quot;:&quot;,&quot;,&quot;precision&quot;:2,&quot;symbol&quot;:&quot;&quot;}\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><div class='ff-el-group lrc-hidden-field'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_6_2_new_monthly_interest' aria-label=\"New Monthly Interest\">New Monthly Interest<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"new_monthly_interest\" id=\"ff_6_2_new_monthly_interest\" class=\"ff-el-form-control  ff_has_formula ff_numeric\" data-name=\"new_monthly_interest\" data-calculation_formula=\"{input.new_monthly_repayment} - {input.new_monthly_principal}\" readonly=\"1\" data-formatter=\"{&quot;decimal&quot;:&quot;.&quot;,&quot;separator&quot;:&quot;,&quot;,&quot;precision&quot;:2,&quot;symbol&quot;:&quot;&quot;}\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><div class='ff-el-group lrc-hidden-field'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_6_2_interest_savings' aria-label=\"Interest Savings\">Interest Savings<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"interest_savings\" id=\"ff_6_2_interest_savings\" class=\"ff-el-form-control  ff_has_formula ff_numeric\" data-name=\"interest_savings\" data-calculation_formula=\"{input.old_monthly_interest} - {input.new_monthly_interest}\" readonly=\"1\" data-formatter=\"{&quot;decimal&quot;:&quot;.&quot;,&quot;separator&quot;:&quot;,&quot;,&quot;precision&quot;:2,&quot;symbol&quot;:&quot;&quot;}\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><div class='ff-el-group lrc-hidden-field'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_6_2_old_monthly_repayment' aria-label=\"Old Monthly Repayment\">Old Monthly Repayment<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"old_monthly_repayment\" id=\"ff_6_2_old_monthly_repayment\" class=\"ff-el-form-control  ff_has_formula ff_numeric\" data-name=\"old_monthly_repayment\" data-calculation_formula=\"(({input.old_interest_rate_percent} \/ 12 ) * {input.old_loan_amount}) \/ (1 - ((1 + ({input.old_interest_rate_percent} \/ 12 )) ^ (-{select.old_loan_term} * 12)))\" readonly=\"1\" data-formatter=\"{&quot;decimal&quot;:&quot;.&quot;,&quot;separator&quot;:&quot;,&quot;,&quot;precision&quot;:2,&quot;symbol&quot;:&quot;&quot;}\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><div class='ff-el-group lrc-hidden-field'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_6_2_already_paid' aria-label=\"Amount Already Paid\">Amount Already Paid<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"already_paid\" id=\"ff_6_2_already_paid\" class=\"ff-el-form-control  ff_has_formula ff_numeric\" data-name=\"already_paid\" data-calculation_formula=\"({input.old_monthly_repayment} * 12) * {input.term_passed}\" readonly=\"1\" data-formatter=\"{&quot;decimal&quot;:&quot;.&quot;,&quot;separator&quot;:&quot;,&quot;,&quot;precision&quot;:2,&quot;symbol&quot;:&quot;&quot;}\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><div class='ff-el-group lrc-hidden-field'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_6_2_new_loan_amount' aria-label=\"Balance Owed\">Balance Owed<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"new_loan_amount\" id=\"ff_6_2_new_loan_amount\" class=\"ff-el-form-control  ff_has_formula ff_numeric\" data-name=\"new_loan_amount\" data-calculation_formula=\"{input.old_loan_amount} - {input.already_paid}\" readonly=\"1\" data-formatter=\"{&quot;decimal&quot;:&quot;.&quot;,&quot;separator&quot;:&quot;,&quot;,&quot;precision&quot;:2,&quot;symbol&quot;:&quot;&quot;}\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><div class='ff-el-group lrc-hidden-field'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_6_2_new_monthly_repayment' aria-label=\"New Monthly Repayment\">New Monthly Repayment<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"new_monthly_repayment\" id=\"ff_6_2_new_monthly_repayment\" class=\"ff-el-form-control  ff_has_formula ff_numeric\" data-name=\"new_monthly_repayment\" data-calculation_formula=\"(({input.new_interest_rate_percent} \/ 12 ) * {input.new_principal}) \/ (1 - ((1 + ({input.new_interest_rate_percent} \/ 12 )) ^ (-{select.new_loan_term} * 12)))\" readonly=\"1\" data-formatter=\"{&quot;decimal&quot;:&quot;.&quot;,&quot;separator&quot;:&quot;,&quot;,&quot;precision&quot;:2,&quot;symbol&quot;:&quot;&quot;}\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><div class='ff-el-group lrc-hidden-field'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_6_2_repayment_savings' aria-label=\"Repayment Savings\">Repayment Savings<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"repayment_savings\" id=\"ff_6_2_repayment_savings\" class=\"ff-el-form-control  ff_has_formula ff_numeric\" data-name=\"repayment_savings\" data-calculation_formula=\"{input.old_monthly_repayment} - {input.new_monthly_repayment}\" readonly=\"1\" data-formatter=\"{&quot;decimal&quot;:&quot;.&quot;,&quot;separator&quot;:&quot;,&quot;,&quot;precision&quot;:2,&quot;symbol&quot;:&quot;&quot;}\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><div class='ff-el-group lrc-hidden-field'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_6_2_old_loan_total' aria-label=\"Old Loan Total\">Old Loan Total<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"old_loan_total\" id=\"ff_6_2_old_loan_total\" class=\"ff-el-form-control  ff_numeric\" data-name=\"old_loan_total\" inputmode=\"numeric\" step=\"any\" data-formatter=\"{&quot;decimal&quot;:&quot;.&quot;,&quot;separator&quot;:&quot;,&quot;,&quot;precision&quot;:2,&quot;symbol&quot;:&quot;&quot;}\"  aria-invalid=\"false\" aria-required=false><\/div><\/div><\/fieldset><\/form><div id='fluentform_6_errors' class='ff-errors-in-stack ff_form_instance_6_2 ff-form-loading_errors ff_form_instance_6_2_errors'><\/div><\/div>        <script type=\"text\/javascript\">\n            window.fluent_form_ff_form_instance_6_2 = {\"id\":\"6\",\"settings\":{\"layout\":{\"labelPlacement\":\"top\",\"helpMessagePlacement\":\"with_label\",\"errorMessagePlacement\":\"inline\",\"asteriskPlacement\":\"asterisk-right\"},\"restrictions\":{\"denyEmptySubmission\":{\"enabled\":false}}},\"form_instance\":\"ff_form_instance_6_2\",\"form_id_selector\":\"fluentform_6\",\"rules\":{\"old_loan_amount\":{\"required\":{\"value\":false,\"message\":\"This field is required\"},\"numeric\":{\"value\":true,\"message\":\"This field must contain numeric value\"},\"min\":{\"value\":\"\",\"message\":\"Minimum value is \"},\"max\":{\"value\":\"\",\"message\":\"Maximum value is \"}},\"old_interest_rate\":{\"required\":{\"value\":false,\"message\":\"This field is required\"},\"numeric\":{\"value\":true,\"message\":\"This field must contain numeric value\"},\"min\":{\"value\":\"\",\"message\":\"Minimum value is \"},\"max\":{\"value\":\"\",\"message\":\"Maximum value is \"}},\"year_originated\":{\"required\":{\"value\":false,\"message\":\"This field is required\"},\"numeric\":{\"value\":true,\"message\":\"This field must contain numeric value\"},\"min\":{\"value\":\"\",\"message\":\"Minimum value is \"},\"max\":{\"value\":\"\",\"message\":\"Maximum value is \"}},\"old_loan_term\":{\"required\":{\"value\":false,\"message\":\"This field is required\"}},\"new_interest_rate\":{\"required\":{\"value\":false,\"message\":\"This field is required\"},\"numeric\":{\"value\":true,\"message\":\"This field must contain numeric value\"},\"min\":{\"value\":\"\",\"message\":\"Minimum value is \"},\"max\":{\"value\":\"\",\"message\":\"Maximum value is \"}},\"refinance_cost\":{\"required\":{\"value\":false,\"message\":\"This field is required\"},\"numeric\":{\"value\":true,\"message\":\"This field must contain numeric value\"},\"min\":{\"value\":\"\",\"message\":\"Minimum value is \"},\"max\":{\"value\":\"\",\"message\":\"Maximum value is \"}},\"new_loan_term\":{\"required\":{\"value\":false,\"message\":\"This field is required\"}},\"old_interest_rate_percent\":{\"required\":{\"value\":false,\"message\":\"This field is required\"},\"numeric\":{\"value\":true,\"message\":\"This field must contain numeric value\"},\"min\":{\"value\":\"\",\"message\":\"Minimum value is \"},\"max\":{\"value\":\"\",\"message\":\"Maximum value is \"}},\"new_interest_rate_percent\":{\"required\":{\"value\":false,\"message\":\"This field is required\"},\"numeric\":{\"value\":true,\"message\":\"This field must contain numeric 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required\"},\"numeric\":{\"value\":true,\"message\":\"This field must contain numeric value\"},\"min\":{\"value\":\"\",\"message\":\"Minimum value is \"},\"max\":{\"value\":\"\",\"message\":\"Maximum value is \"}},\"new_monthly_interest\":{\"required\":{\"value\":false,\"message\":\"This field is required\"},\"numeric\":{\"value\":true,\"message\":\"This field must contain numeric value\"},\"min\":{\"value\":\"\",\"message\":\"Minimum value is \"},\"max\":{\"value\":\"\",\"message\":\"Maximum value is \"}},\"interest_savings\":{\"required\":{\"value\":false,\"message\":\"This field is required\"},\"numeric\":{\"value\":true,\"message\":\"This field must contain numeric value\"},\"min\":{\"value\":\"\",\"message\":\"Minimum value is \"},\"max\":{\"value\":\"\",\"message\":\"Maximum value is \"}},\"old_monthly_repayment\":{\"required\":{\"value\":false,\"message\":\"This field is required\"},\"numeric\":{\"value\":true,\"message\":\"This field must contain numeric value\"},\"min\":{\"value\":\"\",\"message\":\"Minimum value is \"},\"max\":{\"value\":\"\",\"message\":\"Maximum value is \"}},\"already_paid\":{\"required\":{\"value\":false,\"message\":\"This field is required\"},\"numeric\":{\"value\":true,\"message\":\"This field must contain numeric value\"},\"min\":{\"value\":\"\",\"message\":\"Minimum value is \"},\"max\":{\"value\":\"\",\"message\":\"Maximum value is \"}},\"new_loan_amount\":{\"required\":{\"value\":false,\"message\":\"This field is required\"},\"numeric\":{\"value\":true,\"message\":\"This field must contain numeric value\"},\"min\":{\"value\":\"\",\"message\":\"Minimum value is \"},\"max\":{\"value\":\"\",\"message\":\"Maximum value is \"}},\"new_monthly_repayment\":{\"required\":{\"value\":false,\"message\":\"This field is required\"},\"numeric\":{\"value\":true,\"message\":\"This field must contain numeric value\"},\"min\":{\"value\":\"\",\"message\":\"Minimum value is \"},\"max\":{\"value\":\"\",\"message\":\"Maximum value is \"}},\"repayment_savings\":{\"required\":{\"value\":false,\"message\":\"This field is required\"},\"numeric\":{\"value\":true,\"message\":\"This field must contain numeric value\"},\"min\":{\"value\":\"\",\"message\":\"Minimum value is \"},\"max\":{\"value\":\"\",\"message\":\"Maximum value is \"}},\"old_loan_total\":{\"required\":{\"value\":false,\"message\":\"This field is required\"},\"numeric\":{\"value\":true,\"message\":\"This field must contain numeric value\"},\"min\":{\"value\":\"\",\"message\":\"Minimum value is \"},\"max\":{\"value\":\"\",\"message\":\"Maximum value is \"}}},\"conditionals\":{\"custom_submit_button-6_7\":{\"type\":\"any\",\"status\":true,\"conditions\":[{\"field\":\"hidden\",\"value\":\"\",\"operator\":\"!=\"}]}}};\n                    <\/script>\n        <\/p><\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e73cd92 note-card-mobile elementor-hidden-desktop elementor-hidden-tablet elementor-alert-info elementor-widget elementor-widget-alert\" data-id=\"e73cd92\" data-element_type=\"widget\" data-widget_type=\"alert.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-alert\" role=\"alert\">\n\n\t\t\t\t\t\t<span class=\"elementor-alert-title\">Note<\/span>\n\t\t\t\n\t\t\t\t\t\t<span class=\"elementor-alert-description\">Keep in mind you\u2019ll need to account for property taxes, mortgage and property insurance, and HOA fees when applicable.<\/span>\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-8b80047 elementor-section-content-middle elementor-hidden-desktop elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8b80047\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;be8cb0a&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:null,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-01a8dc1\" data-id=\"01a8dc1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fbe668e elementor-widget elementor-widget-text-editor\" data-id=\"fbe668e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div 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assistance? <br \/>Speak to a Low Rate Co. rep<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f2d9b01\" data-id=\"f2d9b01\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2f19724 elementor-widget__width-auto elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"2f19724\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"tel:+8005788308\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-phone-alt\"><\/i>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f95f8a elementor-widget__width-auto 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21.88 10.755C21.5166 11.1183 21.3125 11.6111 21.3125 12.125C21.3125 12.6389 21.5166 13.1317 21.88 13.495C22.2433 13.8584 22.7361 14.0625 23.25 14.0625Z\" fill=\"#9D2235\"><\/path><\/g><defs><clipPath id=\"clip0\"><rect width=\"31\" height=\"31\" fill=\"white\" transform=\"translate(0 0.5)\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-797e1a7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"797e1a7\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6d8b7e0\" data-id=\"6d8b7e0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7967198 elementor-widget elementor-widget-heading\" data-id=\"7967198\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Mortgage & Refinance Calculator<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47f0684 content_item elementor-widget elementor-widget-text-editor\" data-id=\"47f0684\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The home buying process can seem intimidating, especially to a first-time homebuyer. Traditional financing involves a mortgage broker and a loan officer, who increase the cost of your mortgage. We eliminate the middleman and get you the lowest interest rates possible, and we can do this in under five minutes.<\/p>\n<p><div class=\"bg-margin-for-link\"><input type='hidden' bg_collapse_expand='66e51e4ba62856086773666' value='66e51e4ba62856086773666'><input type='hidden' id='bg-show-more-text-66e51e4ba62856086773666' value='Show More'><input type='hidden' id='bg-show-less-text-66e51e4ba62856086773666' value='Read Less'><a id='bg-showmore-action-66e51e4ba62856086773666' class='bg-showmore-plg-link  elementor-button'  style=\" color:inherit;background-color:#9D2235;color:#fff;;\" href='#'>Show More<\/a><div id='bg-showmore-hidden-66e51e4ba62856086773666' ><\/p>\n<h2><strong>How to Use Our Mortgage Calculator<\/strong><\/h2>\n<p>Our <b>mortgage and refinance calculator<\/b> is easy to use. Plug in the purchase price of the home you want to buy and set your down payment percentage to get an estimate of your monthly payment. You can use our calculator as often as you want and adjust the numbers until you find the best fit for your situation.<\/p>\n<p>To use the refinance calculator, find your current mortgage information to get the interest rate and loan balance. Sometimes, you can refinance your home for a higher amount and receive cash at closing.<\/p>\n<p>Calculating mortgage payments is easy enough. Now you just need to figure out if you can afford to make those payments every month. It starts with a budget and a pre-approval from our lender.<\/p>\n<h3><strong>Set a Budget for Your New Home<\/strong><\/h3>\n<p>Houses come in all price categories, which is why you should probably have a budget. Think about how much money you can afford to pay for a mortgage and how much a lender will approve you for. It\u2019s a good idea to run through your monthly income and expenses to make sure you\u2019re not overextending yourself financially.<\/p>\n<p>Keep in mind that your lender uses a different process to calculate how much home you can afford. They consider your debt-to-income ratio, your credit score, and the size of your down payment to determine how much you can borrow. These factors also influence your interest rate, which can increase or decrease your monthly payment.<\/p>\n<p>We promise to find you the lowest possible interest rate, which increases your chances of qualifying for a loan. If you\u2019re not shopping for a new home and want to take advantage of our low interest rates, our refinance calculator can show you how much you\u2019ll save.<\/p>\n<p>When you determine your preferred monthly payment amount, you don\u2019t generally worry about your credit score. Instead, you use your monthly income and expenses to ensure you have enough room in your budget for the house you want to purchase. We\u2019ll share some advice on how you can qualify for a more expensive home, too.<\/p>\n<h3><strong>How Lenders Set Your Loan Limit<\/strong><\/h3>\n<p>Lenders have stringent criteria homebuyers must meet to qualify for a mortgage. They use the 36%\/28% rule. When calculating mortgage payments, yours should be less than 28% of your monthly income. Alternatively, you should spend no more than 36% of your income on your mortgage and debt payments.<\/p>\n<p>If you already own the home and want to refinance the mortgage, the lending criteria might be more lax, especially if you\u2019ve been making payments on time for a while. Our refinance calculator can help you estimate your future monthly payment amount.<\/p>\n<p>Your lender is using these guidelines to protect themselves against a default. If your budget is tight, you may find it harder to make those mortgage payments. And while your home acts as collateral against the loan balance, your lender isn\u2019t in the business of selling homes. The first thing they\u2019ll look at is your debt-to-income ratio.<\/p>\n<h3><strong>Your Debt-to-Income Ratio<\/strong><\/h3>\n<p>Your debt-to-income ratio is an important part of your mortgage approval process. Debt is a tricky thing. If you don\u2019t have any debt, lenders aren\u2019t sure what type of borrower you might be. That\u2019s why not having any credit history makes it more difficult to get approved for a mortgage. Of course, having too much debt isn\u2019t good, either.<\/p>\n<p>If you have a lot of debt, your lenders worry you can\u2019t afford to make all those debt payments. Therefore, too much debt will make it harder to qualify. Maybe you can\u2019t borrow as much, which means you have to get a less expensive house or save up for a bigger down payment.<\/p>\n<p>If your debt payments are 43% or more of your income, you won\u2019t qualify for a loan. In fact, many lenders don\u2019t even want to see that much debt. To improve your debt-to-income ratio, you need to either increase your income or lower your debt payments. Maybe it\u2019s time to ask for that raise at work or consolidate your loans.<\/p>\n<h3><strong>Your Credit Score and Employment History<\/strong><\/h3>\n<p>The other two pieces of the mortgage approval puzzle are your credit score and your employment history. Your credit score helps lenders determine your trustworthiness as a borrower. A low credit score can increase your interest rate or even prevent you from qualifying for a mortgage.<\/p>\n<p>Finally, a lender needs to verify your income and employment history. To get approved for a mortgage, you need a steady income source to prove you can repay the loan as agreed.<\/p>\n<h2><strong>How Your Interest Rate Affects Your Mortgage Payment<\/strong><\/h2>\n<p>Interest rates play an important role in calculating mortgage payments. Higher interest rates increase your mortgage payments. A high interest rate can even make it difficult for you to get approved for a loan, or maybe you can\u2019t borrow as much to afford the house you want. Fortunately, there are ways to lower your interest rate:<\/p>\n<ul>\n<li>Decrease your debt-to-income ratio<\/li>\n<li>Improve your credit score<\/li>\n<li>Save up for a higher down payment<\/li>\n<li>Cut out the middleman<\/li>\n<\/ul>\n<p>At The Low Rate Co., we make it our business to offer you the lowest mortgage rates by cutting out the middleman. Instead of paying your broker and loan officer commissions and fees, you benefit by having the lowest rates possible. &nbsp;<\/p>\n<h2><strong>How to Afford More Home<\/strong><\/h2>\n<p>Maybe you\u2019ve used the mortgage calculator and realized the amount you qualify for will not buy you enough home in your area. But most people don\u2019t really have a choice of where they want to live. You need to stay close to work and maybe you want to stay in the same school district. So how can you afford the home you want?<\/p>\n<p>To qualify for a bigger loan, take some of the same steps to get a lower interest rate. You need either more income or less debt, but you can also reduce your other expenses to save up for a bigger down payment.<\/p>\n<h3><strong>Increase Your Income or Lower Your Debt<\/strong><\/h3>\n<p>Lenders evaluate your ability to repay your loan using your income, debt, and monthly expenses. A higher income gives you more wiggle room in your monthly budget to qualify for the loan. Maybe it\u2019s time to work for that promotion and get a pay raise at work. Maybe you can get a part-time job to pay off a credit card or car loan.<\/p>\n<p>You might not have exhausted all of your options for lowering your debt. It could help your debt-to-income ratio to consolidate credit cards into a low-interest loan with a fixed monthly payment. If your debt has collateral, such as a car loan, you might trade the vehicle in for a less expensive model.<\/p>\n<p>If your income and debt payments won\u2019t budge, focus on the down payment instead.<\/p>\n<h3><strong>Increase Your Loan-to-Value Ratio with a Bigger Down Payment<\/strong><\/h3>\n<p>Lenders like big down payments because they reduce the loan-to-value ratio of the house. The loan-to-value ratio is the mortgage amount as a percentage of the price of the home. A 20% down payment, which may be required with a traditional mortgage, provides a good amount of equity in the home, which spells security to the lender.<\/p>\n<p>If you\u2019re serious about buying a home, it\u2019s time to look at your monthly expenses to identify savings opportunities. Focus all of your efforts on saving for a down payment to help you qualify for the house you want to purchase.<\/p>\n<h3><strong>Improve Your Credit Score<\/strong><\/h3>\n<p>An important step in the loan approval process is evaluating your credit score. A low credit score will make it more difficult to qualify for a mortgage. There are mortgage programs that can help people with low credit scores to get into a home, such as FHA loans. But your credit score will still influence how much you pay in interest.<\/p>\n<p>If you plan to buy a home in the future, spend some time improving your credit score. &nbsp;From now until you sign on the dotted line for the purchase of your home, we highly recommend paying everything on time, even your utility bills. Late payments can hurt your credit score, and you don\u2019t want to jeopardize getting a mortgage.<\/p>\n<h2><strong>What\u2019s Different About a VA Home Loan?<\/strong><\/h2>\n<p>If you qualify for a VA home loan, this is probably the best option as far as mortgages go. VA home loans are for military families and veterans. They typically offer lower interest rates and the option of having a zero down payment. There is a limit to the amount you can borrow, but that\u2019s not usually a problem for most homeowners.<\/p>\n<p>You can use our mortgage calculator to figure out what your payment would be with a VA home loan. You may still choose to use a down payment to lower your monthly payment or buy a bigger home.<\/p>\n<h3><strong>Who Can Qualify for an FHA Loan?<\/strong><\/h3>\n<p>If you have a low credit score or no credit, you may still purchase a house with an FHA loan. These loans are insured by the Federal Housing Administration and allow you to qualify with a down payment of as low as 3.5% of the purchase price of the home. They\u2019re popular with first-time homebuyers because of the low down payment.<\/p>\n<h2><strong>How Does Private Mortgage Insurance Affect Your Payment?<\/strong><\/h2>\n<p>Your lender requires private mortgage insurance, or PMI, if you have a down payment that\u2019s less than 20% of the purchase price of your home. This insurance protects the lender in case of a default. If they can\u2019t sell your home for the loan amount, PMI can help pay the difference.<\/p>\n<p>VA home loans are an exception. You won\u2019t need to pay PMI with a VA home loan even if you don\u2019t have a down payment, because the VA guarantees the loan.<\/p>\n<p>When calculating mortgage payments, understand that private mortgage insurance adds to the cost of your loan and will result in a higher monthly payment for you. Sometimes, the higher monthly payment is worth not having to wait to buy a home, because it can take time to save enough money for a down payment of 20%.<\/p>\n<h2><strong>Get Pre-Approved for Your Mortgage<\/strong><\/h2>\n<p>You can use our mortgage calculator to figure out how much you can expect to pay each month. But that\u2019s just the first step. Before you meet with a real estate agent or fall in love with a house for sale in your favorite neighborhood, it\u2019s time to get pre-approved for a mortgage.<\/p>\n<h3><strong>How Does Pre-Approval Help?<\/strong><\/h3>\n<p>When you fill out an application for a mortgage, you start the pre-approval process. The pre-approval lets you know how much house you can afford and what your loan payment will be. Keep in mind you\u2019ll still have to pay for homeowner\u2019s insurance and property taxes, but those depend on the house you purchase.<\/p>\n<p>Without a pre-approval letter, you can\u2019t get to the next stage. Your real estate agent needs to know how much you can qualify for to show you the houses that are in your price range. And when it\u2019s time to make an offer, you need the pre-approval letter to send to the seller. Without it, they won\u2019t take their house off the market for you.<\/p>\n<h3><strong>What Does the Pre-Approval Process Look Like?<\/strong><\/h3>\n<p>Getting pre-approved for a mortgage is simple. You need to provide your lender with your personal information, including your Social Security number. They will also ask you about your income, employment history, and current housing expenses. Then they\u2019ll run your credit and provide you with an answer.<\/p>\n<p>Once you know how much we can approve you for, you can use the mortgage calculator to experiment with the numbers. How would your monthly payment change if you bought a cheaper home? What happens if you lower your down payment?<\/p>\n<h2><strong>When Refinancing Your Mortgage Makes Sense<\/strong><\/h2>\n<p>You can use our refinance calculator to determine how much you can save by refinancing your mortgage.<\/p>\n<p>At The Low Rate Co., we offer the lowest possible interest rates, which can help you save a lot every month. When calculating mortgage payments, make sure you include homeowner\u2019s insurance and property taxes to get the total amount.<\/div><\/div><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Mortgage Calculator Estimate Your Monthly Payments Enter details of your home and loan needs here to get estimated monthly payments. Note Keep in mind you\u2019ll need to account for property taxes, mortgage and property insurance, and HOA fees when applicable. Need assistance? Speak to a Low Rate Co. rep PurchaseRefinance Home Price $Down Payment 20Down [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"om_disable_all_campaigns":false,"inline_featured_image":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-398","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mortgage &amp; Refinance Calculator | Calculating Mortgage Payment<\/title>\n<meta name=\"description\" content=\"Low Rate Co makes it easy to calculate your mortgage payment with our online mortgage &amp; refinance calculator.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lowrateco.com\/calculate-payments\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mortgage &amp; 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