## STCU Mortgage Rates and CalculatorsSTCU Online Banking » STCU Mortgage Rates and Calculators |

**STCU mortgage calculators **allow users to quickly determine the various home financing options available to them, and specifically calculate payment amortization details as well as other facets of home financing management. To view the mortgage loans offered by STCU, click here. Home loan can be applied for (and approved) online, as well as in-person at an STCU branch location.

## Rates

STCU home loan rates can be viewed here. Customized rate quotes can be searched for via STCU’s rate search tool.

## Calculators

- Should I refinance?
- How much will my fixed rate mortgage payments be?
- How much will my adjustable rate mortgage payments be?
- How much will my payments be for a balloon mortgage?
- Should I rent or buy?
- How much mortgage might I qualify for?
- Which mortgage is better for me?
- How much will I save by increasing my mortgage payment?

## How to Calculate

Determines if the interest savings from refinancing a mortgage will be larger than the costs of refinancing that mortgage. Based on the following inputs:

- Original loan amount
- Original mortgage length
- Date of loan
- Current interest rate
- Cash out amount on refinance
- New interest rate
- Points
- Fees/closing costs
- New loan term length
- Income tax rate
- Savings rate
- Length of property ownership

Click the ‘Compute’ button at the bottom of the calculator to load the results.

Determines the approximate monthly payment amount on a fixed-rate mortgage. Enter the following variables on the calculator page:

- Home price
- Down payment amount
- Loan term length
- Interest rate

The results will display below the calculator once the ‘Compute’ button has been pressed.

Determines the approximate monthly payment amount on an adjustable-rate mortgage. Based on the following inputs:

- Home price
- Down payment amount
- Loan term length
- Interest rate
- Rate cap
- Rate increase at first interval
- Rate increase each subsequent interval
- Months before first increase
- Months between increases

Click the Compute’ button to generate the results.

Calculates how much the monthly payments will be on a balloon mortgage, based on the following variables:

- Home price
- Down payment amount
- Amortization length
- Balloon payment after
- Interest rate

Press the ‘Compute’ button at the bottom of the calculator to load the results.

Determines which option will save the most money, renting a home versus buying one. Enter the following inputs on the calculator page:

- Monthly rent
- Monthly renter’s insurance
- Rent increase per year
- Home price
- Down payment
- Interest rate
- Loan term length
- Points
- Closing costs
- Home information
- Personal information

The results will display below the calculator once the ‘Compute’ button has been pressed.

Calculates approximately how large of a mortgage an individual might be able to qualify for. Enter the following variables:

- Combined gross annual income
- Minimum monthly credit card payments
- Car payments
- Other fixed monthly debts
- Down payment
- Interest rate
- Loan term
- Monthly insurance
- Monthly association dues
- Annual property tax

Click the ‘Compute’ button to generate the results.

Compares the total cost of two to three mortgages, in order to determine which is the best option for the user. Enter the following variables:

- Loan ID
- Down payment
- Loan term
- Interest rate
- Points
- Other fees
- Loan type
- Adjustable type
- Maximum initial rate adjustment
- Maximum subsequent rate adjustment
- Anticipated rate cap
- Home price
- Income tax rate
- After tax savings rate

The results will display below the calculator once the ‘Compute’ button has been pressed.

Determines how much interest can be saved by increasing the monthly payment amount on a mortgage. Enter the following inputs into the calculator:

- Loan amount
- Mortgage length
- Date of loan
- Interest rate
- Date of first extra payment
- Additional payment amount

Click the ‘Compute’ button to generate the results.

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