Alpine Bank Mortgage Rates and Calculators


Alpine Bank Online Banking » Alpine Bank Mortgage Rates and Calculators

Alpine Bank mortgage calculators help users to determine whether taking out a mortgage is a good idea. It also helps them plan for repayment should they opt to take out a mortgage product. For more information about Alpine Bank mortgages click here.

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Rates

To get an estimate for your mortgage rate, you can talk to an Alpine Bank loan officer here. You can also visit a branch location or start the application process.

Calculators

How to Calculate

This calculator helps users to generate an amortization schedule for their current mortgage.  They are able to determine the effect of repayments, principal balances and prepayments at the click of a button. The following entries are required

  • Mortgage amount
  • Term
  • Interest rate
  • Prepayments

Click “Calculate” to compute.

This calculator helps users see the effect of making bi-weekly payments as opposed to monthly payments. This can save them a lot in interest payments. The following entries are required

  • Interest rate
  • Mortgage amount
  • Mortgage term
  • Payment type

Click “Calculate” to compute.

This calculator helps users determine how long it will take to break even after refinancing their mortgage. The entries below must be provided.

 

Original mortgage

  • Original monthly payment
  • Original loan amount
  • Appraised value
  • Original interest rate
  • Term in years
  • Years remaining
  • Income tax rate

New mortgage

  • New monthly payment
  • Loan balance
  • Appraised value
  • Interest rate
  • Term in years
  • Loan origination rate
  • Points paid
  • Other closing costs

Click “Calculate” to compute.

This calculator helps users to determine how much they can borrow with regard to their income, purchase price of the home and the monthly payments. The following variables are needed

  • Annual income
  • Purchase price
  • Total monthly payment
  • Term in years
  • Interest rate
  • Property tax
  • Home insurance
  • Down payment & closing cost
  • Monthly debt payments

Click “Calculate” to compute.

This calculator enables users to compare renting and buying a home. It helps determine the total cost of the mortgage so that the user can make an informed choice when comparing the two options. To compute, you will need the following:

  • Purchase price
  • Interest rate
  • Term in years
  • Property tax rate
  • Home insurance
  • & maintenance fees
  • Down payment and closing costs
  • Rent, tax and inflation

Click “Calculate” to compute.

This calculator helps you determine how much you will save by in interest by refinancing your mortgage. The following information must be entered:

  • About your home
    • Appraised value
    • Annual property taxes
    • Annual home insurance
  • Original Mortgage
    • Original mortgage
    • Rate
    • Term in years
    • Monthly PMI
    • Number of payments made
  • New mortgage
    • New mortgage balance
    • Rate
    • Term in years
    • Closing costs

Click “Calculate” to compute.

 

This calculator helps work out how much will be save d in interest by increasing the mortgage payments. The inputs listed below are needed:

  • Years remaining
  • Original mortgage term
  • Original mortgage amount
  • Additional monthly payment
  • Annual interest rate

Click “Calculate” to compute.

 

Purchasing points when you close your mortgage can significantly reduce the interest rate and monthly payments. This calculator helps users decide whether buying points is worthwhile. The inputs below are required:

  • Mortgage with points
    • Mortgage amount
    • Term in years
    • Discount points
    • Points rate
  • Mortgage without points
    • Interest rate
  • Mortgage Points Calculator Inputs
    • Years in home

Click “Calculate” to compute.

This calculator helps loan applicants to determine the Annual Percentage Rate (APR) of their mortgage. The following entries are required:

  • Mortgage amount:
  • Term in years
  • Interest rate:
  • Closing Costs

 

Click “Calculate” to compute.

Often, it can be difficult for a mortgage applicant to determine which mortgage product works best for them. This calculator helps users to compare a 15 years and a 30 year mortgage. The following inputs must be entered:

  • Mortgage amount
  • Your marginal tax rate
  • Interest rate for 15 years
  • Interest rate for 30 years

Click “Calculate” to compute.

This calculator helps users determine how much they would save on income tax if they took out a mortgage. The following information is needed for computation:

  • Mortgage amount
  • Term in years
  • Interest rate
  • Federal tax rate
  • State tax rate

Click “Calculate” to compute.

Adjustable rate mortgages have attractive interest rates, but payments often vary. This calculator helps users to estimate the monthly payments over the period of the loan. The following entries are required:

  • Loan Terms
    • Mortgage amount
    • Term in years
    • Interest rate
  • Adjustments
    • Months before first adjustment
    • Months between adjustments
    • Expected adjustment
    • Interest rate cap

 

 

Click “Calculate” to compute.

 

 

 

 

 

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