Bank of the West Mortgage Rates and Calculators


Bank of the West Online Banking » Bank of the West Mortgage Rates and Calculators

Bank of the West mortgage calculators are provided to users to help them determine all of the various home financing/mortgage options available to them. Bank of the West offers numerous different kinds of mortgages to qualified applicants, including fixed rate mortgages, adjustable rate mortgages, jumbo mortgage loans, and several different refinancing programs. To review all of Bank of the West’s mortgage programs, go to this webpage. For mortgage eligibility details and additional information, please visit the ‘mortgage help‘ webpage.

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Rates

Current mortgage rate information can be searched for on this page. Enter the following information into the corresponding input fields.

  • Loan purpose (select from the drop-down menu)
  • Purchase price
  • Amount of loan
  • State
  • County
  • Use of property (select from drop-down menu)
  • Type of property (select from drop-down menu)
  • Credit score
  • Veteran (yes or no)

Click on the ‘Get Quotes’ button to view customized mortgage rate details.

Calculators

How to Calculate

This calculator will determine how large of a mortgage an individual can qualify for, based on the following listed inputs (enter into the corresponding input fields within the calculator):

  • Income before taxes/deductions
  • Investment income before taxes
  • Rental property income
  • Additional income
  • Auto loan monthly payment
  • Student loan monthly payment
  • Rental property loan payments
  • Additional payments
  • Monthly alimony, child support, etc. payments
  • Monthly credit card payments
  • Interest rate
  • Term length in years
  • Down payment percentage of price
  • Annual property tax
  • Annual property insurance

Results can be viewed by clicking the ‘Results’ tab or pressing the ‘View Results’ button.

Determines an estimated amount of what the monthly payments will be on a mortgage. Enter the following inputs into the appropriate entry fields:

  • Loan amount
  • Appraised value
  • Term length in years
  • Interest rate
  • Annual property tax
  • Annual property insurance

To view the results, click the ‘View Results’ button at the bottom of the calculator form.

Determines the monthly payment information for an adjustable-rate mortgage. Enter these inputs:

  • Amount of loan
  • Appraised value
  • Term length in years
  • Annual property insurance
  • Annual property tax
  • State/federal tax rate
  • Months before first rate adjustment
  • Initial interest rate
  • Months between rate adjustments
  • Maximum rate adjustment amount
  • Minimum rate
  • Maximum rate
  • Margin
  • Index rate
  • Months between index adjustments
  • Index rate change per adjustment

Either click the ‘View Results’ button or the ‘Results’ tab to view the ARM payment information.

Compares the costs and amortization details of fixed and adjustable-rate mortgages. Enter the following inputs:

  • Interest rate
  • Loan amount
  • Term length in years
  • Origination charge
  • Specific interest rate charge
  • Other settlement services/charges
  • State/federal tax rate
  • Purchase price
  • Annual property tax
  • Annual property insurance
  • Years prior to payoff/sale of home
  • Savings rate
  • Months before first adjustment
  • Months between adjustments
  • Maximum rate adjustment
  • Minimum rate
  • Maximum rate
  • Margin
  • Index rate
  • Index rate change per adjustment
  • Months between adjustments

To view the results, click the ‘Results’ tab or the ‘View Results’ button.

This calculator determines how much money will be saved by paying more points on a mortgage. The following inputs are required:

  • Amount of loan
  • Term length in years
  • Interest rate
  • Origination charge
  • Specific interest rate charge
  • Other settlement charges
  • State and federal tax rate
  • Purchase price
  • Annual property tax
  • Annual property insurance
  • Years before payoff/sale of home
  • Savings rate
  • Months before first adjustment
  • Months between adjustments
  • Maximum rate adjustment
  • Minimum rate
  • Maximum rate
  • Margin
  • Index rate
  • Index rate change per adjustment
  • Months between adjustments

To view the results, click the ‘View Results’ button at the bottom of the calculator form.

Compares the amortization details and associated costs of 15 and 30 year mortgages, and determines which mortgage is the better option. Enter the following variables within the calculator:

  • Interest rate
  • Amount of loan
  • Term length in years
  • Origination charge
  • Specific interest rate charge
  • Additional settlement services
  • State/federal tax rate
  • Purchase price
  • Annual property tax
  • Annual property insurance
  • Years before payoff/sale of home
  • Savings rate

Results can be viewed by clicking the ‘Results’ tab or pressing the ‘View Results’ button.

Determines how much of a down payment will be required on a new home purchase. Enter the following variables into the calculator:

  • Down payment
  • Interest rate
  • Term length in years
  • Origination charge
  • Specific interest rate charge
  • Savings rate
  • State/federal tax rate
  • Purchase price
  • Annual property tax
  • Annual property insurance
  • Years before payoff/sale of home

To view the down payment amount and other details, click the ‘View Results’ button or the ‘Results’ tab.

This calculator will determine how much money a mortgage can save on annual taxes. Enter these inputs into the entry fields:

  • Amount of loan
  • Term length in years
  • Interest rate
  • Origination charge
  • Specific interest rate charge
  • Settlement services charges
  • State/federal tax rates
  • Appraised value
  • Annual property tax
  • Annual property insurance

The savings amount can be viewed by clicking the ‘Results’ tab or the ‘View Results’ button.

Determines the estimated closing costs on a mortgage/sale of a home. Enter the following variables into the appropriate input fields:

  • Purchase price
  • Loan amount
  • Term length in years
  • Interest rate
  • Origination charge
  • Specific interest rate charge
  • Additional settlement charges
  • Appraisal
  • Credit report
  • Flood certification
  • Tax service
  • Title insurance/services
  • Owner’s title insurance
  • Government recording charges
  • Transfer taxes
  • Survey
  • Pest inspection
  • Annual property tax
  • Annual insurance

To view the estimation, click on the ‘Results’ tab or the ‘View Results’ button.

This calculator determines how much money can be saved by renting a property rather than owning it, as well as other information. Enter the following inputs:

  • Monthly rent
  • Renter’s insurance
  • Rent increase/decrease
  • Purchase price
  • Appreciation/depreciation rate
  • Savings rate
  • State/federal tax rate
  • Years before payoff/sale of home
  • Amount of loan
  • Term length in years
  • Interest rate
  • Origination charge
  • Specific interest rate charge
  • Other settlement services
  • Annual property tax
  • Annual maintenance
  • Annual insurance
  • Selling costs

To view the potential savings amount, click the ‘View Results’ button.

Determines how much money will be saved by refinancing a mortgage. Enter these inputs:

  • Original loan amount
  • Original term length in years
  • Years already paid off
  • Balloon year
  • Interest rate
  • New term length
  • New balloon year
  • New origination charge
  • Charge for specific interest rate
  • Other settlement services/fees
  • Interest rate
  • Appraised value
  • Annual tax
  • Annual insurance
  • Savings rate
  • State/federal tax rate
  • Years before sale of property

Results can be generated by pressing the ‘View Results’ button or clicking the ‘Results’ tab.

Determines the costs associated with refinancing a mortgage. Enter the following variables within the calculator:

  • Amount of loan
  • Term length in years
  • Interest rate
  • Origination charge
  • Specific interest rate charge
  • Other settlement services
  • Appraisal report
  • Credit report
  • Flood certification
  • Tax service
  • Lender’s title insurance
  • Owner’s title insurance
  • Recording fee
  • Annual property tax
  • Annual property insurance

To view the estimated costs of refinancing, click the ‘View Results’ button.

This calculator will determine the various ways an individual might be able to lower their mortgage insurance payments. Enter all of the following inputs for an accurate estimation:

  • Term length in years
  • Interest rate
  • Appraised value
  • Annual property tax
  • Annual property insurance

Results can be generated by clicking the ‘View Results’ button or the ‘Results’ tab.

Compares between two lenders to determine which offers the better loan. Enter the following variables:

  • Purchase price
  • Loan amount
  • Term length
  • Annual tax
  • Annual insurance
  • Savings rate
  • State/federal tax rate
  • Years before sale/payoff
  • Interest rate
  • Origination charge
  • Specific interest rate charge
  • Other settlement services
  • Months before first adjustment
  • Months between adjustments
  • Maximum adjustment
  • Minimum rate
  • Maximum rate
  • Margin
  • Index rate
  • Rate change per adjustment
  • Months between index adjustments

Click the ‘View Results’ button for the results to be displayed.

Compares between two mortgage loans and determines which one will be less expensive over a determined number of years. Enter these inputs:

  • Term length
  • Interest rate
  • Origination charge
  • Specific interest rate charge
  • Other settlement services
  • Months before first adjustment
  • Months between adjustments
  • Maximum adjustment
  • Minimum rate
  • Maximum rate
  • Margin
  • Index rate
  • Rate change per adjustment
  • Loan amount
  • Purchase price
  • State/federal tax rate
  • Annual property tax
  • Annual insurance
  • Years before sale/payoff
  • Savings rate

Results can be generated by pressing the ‘View Results’ button or clicking the ‘Results’ tab.

This calculator will determine how advantageous making extra payments on a mortgage can be. Enter the following inputs:

  • Loan amount
  • Appraised value
  • Term length
  • Annual tax
  • Annual insurance
  • Interest rate
  • Extra payments
  • Additional payment
  • Months until extra payments begin

Results can be viewed bu clicking the ‘Results’ tab or the ‘View Results’ button.

Determines how expensive of a home an individual might be able to afford, based on the following inputs:

  • Down payment
  • Monthly payment
  • Term length
  • Interest rate
  • Loan-to-value ratio
  • Annual property tax
  • Annual property insurance

Click the ‘Results’ tab or the ‘View Results’ button to complete the calculation.

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