First National Bank Mortgage Rate Calculators


First National Bank Online Banking » First National Bank Mortgage Rate Calculators

The First National bank mortgage rate calculators are intended to enable users to gain a more comprehensive understanding of what potential home financing options are available to them.

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Rates

It’s recommended that users who want individualized information regarding their potential rates of interest either apply online, over the phone (402-342-2265), or in person.

Calculators

How to Calculate

The user should enter the following information into both the 15 and 30 year sections of the calculator:

  • Interest rate
  • Loan amount
  • Term (in years)
  • Origination fee
  • Points (not required)
  • Closing costs
  • Purchase price
  • Property tax (annual)
  • Property insurance (annual)
  • Amount of years before the loan will be paid off/sold

Once the ‘CALCULATE’ button has been clicked, the calculator will automatically return its comparison between the 15 and 30-year loan, including information such as the total loan cost, and total interest paid.

For a user to determine their estimated cost of closing, they should enter as many of the below fields as possible into the calculator in order to receive the most accurate calculation.

  • Purchase price
  • Total loan amount
  • Length of term (in years)
  • Interest rate
  • Costs of origination

Once these variables have their required data, the user must then fill out the following additional fields:

  • Origination
  • Origination percentage
  • Appraisal
  • Credit rating
  • Flood certification/insurance
  • Tax
  • Title service
  • Title insurance of homeowner
  • Affiliated governmental expenses
  • Transfer tax
  • Survey
  • Pest
  • Cost of property tax (annual)
  • Cost of property insurance (annual)

Upon entering the required information and pressing on the green ‘CALCULATE’ button, the calculator will present detailed information such as adjusted origination charges, estimated cost of settlement charges, as well as the estimated monthly payment.

By inputting the following required variables into their respective fields, a user may calculate their estimated maximum cost of an affordable home, including a brief breakdown of their monthly payments.

  • Down payment
  • Monthly payment (desired)
  • Term length (in years)
  • Interest rate
  • Loan-property value ratio
  • Annual property tax
  • Annual property insurance

After the user has entered the required information into their corresponding fields, he/she may click on the ‘CALCULATE’ button, and their desired information will automatically be calculated and displayed on the same page.

Users can utilize this calculator in order to gain a quick understanding of the maximum amount of money that they can potentially borrow. Enter personalized data into the following fields.

Maximum amount that can be borrowed

Maximum amount that can be borrowed

-Monthly income:

  • Gross wages
  • Gross investment income
  • Other property income
  • Other general income

-Monthly payments:

  • Auto loans
  • Student loans
  • Other property loans
  • Child support / other debts
  • Credit card payments
  • Other general payments

-Estimated terms of loan:

  • Interest rate
  • Term length (in years)
  • Down payment percentage

-Estimated taxes and insurance

  • Annual property tax
  • Annual property insurance

Once a user has entered all of the required data into the calculator, they may click on the green ‘CALCULATE’ button in order for their results to be automatically displayed.

Users are able to calculate the difference in costs and length in regards to paying off their mortgage by making only the minimum payments versus applying extra payments. The following fields should all be completed in order to receive the most accurate calculation:

  • Amount of loan
  • Appraisal value
  • Term length (in years)
  • Rate of interest
  • Property tax (annual)
  • Property insurance (annual)

-Additional principal:

  • Any additional principal (monthly amount)

Once a user has entered this information, they may click on the ‘CALCULATE’ button in order to view information such as the minimal monthly payment, total monthly payment, total interest paid, and more.

 

This calculator provides users with a straightforward method of calculating a succinct breakdown of their estimated monthly payments. In order to receive the most accurate information, a user should enter data into all of the following fields:

  • Amount of loan
  • Value of appraisal
  • Rate of interest
  • Length of term (in years)
  • Property tax (annual)
  • Property insurance (annual)

Having entered the required details into the calculator, a user may then click the green ‘CALCULATE’ button in order for their results to automatically display on the page.

 

 

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