UCBI Mortgage Rates and Calculators


United Community Bank Online Banking » UCBI Mortgage Rates and Calculators

UCBI mortgage calculators allow users to determine the various home financing options available to them, and help them decide which form of home financing best fits their specific needs. Detailed information regarding UCBI mortgages can be found on this webpage.

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Rates

UCBI mortgage rate information can be obtained either by contacting a mortgage loan officer, or by applying for a UCBI mortgage online.

Calculators

How to Calculate

This calculator compares a fixed rate mortgage to a fully amortizing adjustable rate mortgage. Enter the following inputs into the calculator:

  • Amount of mortgage
  • Term length in years
  • Interest rate
  • Interest rate (ARM)
  • Number of months rate will be fixed
  • Expected rate adjustment
  • Interest rate cap

Click the ‘Calculate’ or ‘View Report’ buttons to generate the results (if they do no automatically update as the variables are altered).

Calculates the estimated amortization schedule for a mortgage, in addition to principal balances as well as interest payments. Enter the following inputs into the appropriate entry fields within the calculator:

  • Mortgage amount
  • Term length in years
  • Interest rate
  • Select to report amortization (monthly or yearly)
  • Select prepayment type from drop-down menu
  • Prepayment amount
  • Start with payment number

The monthly payment amount will update at the top of the calculator as any of the above variables are altered/entered. Click the ‘View Report’ button for more detailed information.

Compares between a 15 and 30 year mortgage, and determines how much money might be saved from a shorter term length. Adjust the sliders/enter variables into the blank entry fields for the following inputs:

  • Mortgage amount
  • Marginal tax rate
  • 15 year interest rate
  • 30 year interest rate

The results will display at the top of the calculator. Users can also press the ‘View Report’ button for more detailed results.

This calculator will determine how much money an individual might be able to borrow to purchase a house. Enter the following inputs into the appropriate fields within the calculator:

  • Select what to calculate for from drop-down menu
  • Annual income
  • Purchase price

  • Monthly payment amount
  • Term length in years
  • Interest rate
  • Property tax
  • Home insurance percentage
  • Down payment/closing costs inputs
  • Monthly debt payments inputs

The results will automatically generate as any of the above inputs are entered/altered.

This calculator determines how an individual might be able to pay their mortgage off faster by making additional monthly payments towards their mortgage. Adjust/enter inputs for the following variables within the calculator:

  • Years left on mortgage
  • Mortgage term length
  • Mortgage amount
  • Additional payment amount
  • Annual interest rate

The results will automatically update, however users can also click the ‘View Report’ or ‘Calculate’ buttons as well (located at the top of the calculator).

Calculates the maximum mortgage amount that an individual can qualify for, based on the following inputs:

  • State interest rate
  • Term length
  • Salary
  • Co-borrower income/salary
  • Monthly payments/loans
  • Co-borrower monthly payments/loans
  • Monthly housing costs

Results automatically generate as the inputs are entered/altered. Click on the ‘View Report’ button for additional results.

Individuals can use this calculator to determine how large of a home equity line of credit they might be able to receive. Enter/adjust the inputs for the following

variables within the calculator:

  • Appraised value
  • Owed mortgages
  • Loan-to-value ratio

Users can either click the ‘View Report’ button or the ‘Calculate’ button to generate the results (if the results do not automatically display as the inputs are entered).

Determines how much interest an individual can save by refinancing their mortgage. Enter the following inputs into their associated entry fields within the calculator:

  • Appraised value
  • Annual property taxes

  • Annual home insurance
  • Original mortgage
  • Rate
  • Term length in years
  • Monthly PMI
  • Number of payments already made
  • Mortgage rate (new mortgage)
  • Term length
  • Closing costs

The results will automatically generate as any of the above inputs are entered/altered.

Compares the costs of renting a home versus purchasing one, in order to determine which is the better option of the two. Enter the following inputs into the calculator’s entry fields:

  • Purchase price
  • Interest rate
  • Term length in years
  • Property tax rate
  • Home insurance
  • Maintenance fees
  • Cash on hand (down payment)
  • Loan origination
  • Points paid
  • Additional closing costs
  • Monthly rent amount
  • After-tax return
  • Income tax rate
  • Expected inflation
  • Home appreciates at
  • Future sales commission

Results automatically generate as the inputs are entered/altered. Click on the ‘View Report’ button for additional results.

Determines whether an individual should buy points on their mortgage in order to lower their mortgage rate. Enter the following variables into the associated input fields:

  • Mortgage amount
  • Term length in years
  • Discount points
  • Points rate/percentage
  • Interest rate
  • Years in home
  • Select to report amortization as yearly or monthly

The results will automatically update, however users can also click the ‘View Report’ or ‘Calculate’ buttons as well (located at the top of the calculator).

This calculator will determine how much lower an individual’s monthly payment will be if they refinance their mortgage. Based on the following inputs:

  • Original loan amount
  • Appraised value
  • Interest rate
  • Term length
  • Years remaining
  • Income tax rate
  • Appraised value (new mortgage)
  • Interest rate
  • Term length
  • Loan origination rate
  • Points paid
  • Additional closing costs

The results will automatically generate as any of the above inputs are entered/altered.

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